哈尔滨工业大学工商管理硕士学位论文AbstractThe emerging of Internet banking in the 1990s has attracted more and more attention for its low cost and high efficienc with broad market prospects,Online banking is increasingly becoming an important means of financial services in the network economy era for commercial banks. It triggered a revolution in the banking industry. The traditional concept of banking, bank management and business model, the bank management and internal control mechanisms will be fundamental changed. Internet banking services, as a new channel for customers with a convenient, low cost, highly innovative features, has become an important way for the market competaition between banks. As an emerging technology, Internet banking were still at a lower acceptable level in China. To explore the factors affecting Chinas consumer acceptance of Internet banking, Daqing branch of the Bank of Communications is selected as the representative customer sample to carry out in-depth analysis. The study aims to reveal the impacting factors on consumers use of Internet banking services. The findings will be benefit to the Daqing branch of Bank of Communications, as well as other commercial banks in China. Based on the technology acceptance model (TAM), an attitude - intention action framework was established to explore the factors affecting customers intention of usage to online banking services. The study found that customer perceived usefulness, perceived ease of use and perceived security significantaly influence the intention of usage of Internet banking Based on the above findings, the paper proposed management strategies to commercial bank for the improvement of on-line banking business.Key wordsonline bank; intention of usage; TAM;commercial bank- II -哈尔滨工业大学工商管理硕士学位论文目 录摘 要 . I Abstract . II第 1 章 绪论 .1 1.1 研究的背景与问题的提出 .1 1.1.1 1.1.2论文研究的背景 .1 问题的提出 .1 1.2 研究的目的、范围和意义 .2 1.2.1 1.2.2论文研究的目的、范围 .2 论文研究的意义 .2 1.3 研究方法和理论 .3 1.4 论文研究的内容及结构 .3 1.5 本章小结 .4 第 2 章 网上银行概述 .5 2.1 网上银行的一般概念 .5 2.2 网上银行模式 .6 2.3 网上银行业务的种类 .7 2.4 网上银行比传统银行的优势 .8 2.5 国外网上银行的发展概况 .10 2.6 我国网上银行的发展状况 .11 2.6.1 2.6.2总体情况 .11 中国网上银行发展现状 .13 2.7 本章小结 .17 第 3 章 理论及相关分析和研究模型 .18 3.1 关于态度、意向与行为的研究分析 .18 3.2 技术接受模型（TAM）相关理论研究 .19 3.2.1 3.2.2 3.2.3理性行为理论 .19 计划行为理论 .21 技术接受模型（TAM） .21 3.3 使用网上银行的主要原因及障碍分析 .23- III -哈尔滨工业大学工商管理硕士学位论文3.3.1 3.3.2使用网上银行的主要原因分析 .23 不使用网上银行的主要原因分析 .24 3.4 基于TAM的网上银行意向模型 .26 3.4.1 3.4.2模型的设计与组成 .26 提出研究假设 .28