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互联网金融作为一种崭新的金融模式受到了广泛的认可与拥护,随着互联网金融用户的增多,探究互联网金融用户选择行为也具有重要意义。本文通过调查数据对互联网金融用户选择行为特征进行分析,结果表明:互联网金融产品(服务)覆盖率较高,用户在性别方面并无显著差异,年龄主要集中在18-35岁,受教育程度相对较高,以中等收入阶层为主。大部分人认为互联网金融比较便利但安全性不足,对日常生活的影响很大,对其发展前景多数人持乐观态度。
As a new financial model, Internet finance has been widely recognized and endorsed. With the increase of Internet financial users, it is also of great significance to explore Internet financial user selection behavior. Based on the survey data, this paper analyzes Internet users’ behavioral characteristics. The results show that Internet financial products (services) coverage is high, users have no significant differences in gender, age is mainly between 18-35 years, relative education level Higher, mainly middle-income class. Most people think that internet finance is more convenient but less secure, has a great impact on daily life and is optimistic about the majority of its development prospects.