消费者参与网络互助的影响因素研究

Study on the influential factors of consumers’participation in online mutual aid

近期,水滴互助、轻松互助等网络互助巨头相继关停,这标志着网络互助行业开始从野蛮生长期进入合规合法的缓冲期,网络互助行业需要得到正确引导以更好地发展。文章以消费者为研究对象,通过调研数据具体分析消费者参与我国网络互助的情况以及相关重要影响因素,了解消费者对网络互助的需求。由于参与与否是一个典型的二元离散问题,所以采用了probit模型进行实证分析,并且利用stata对模型参数进行估计,选择Hosmer和Lemeshow检验来验证probit模型的拟合优度。实证结果表明,消费者参与网络互助会受到自身的年龄、收入、信任程度以及受教育程度等因素的影响。

Recently,the online mutual assistance giants such as Water Drop Mutual Aid and Easy Mutual Aid have been shut down one after another,which indicates that the online mutual aid industry begins to enter the legal and compliant buffer period from the barbaric growth period,and the online mutual aid industry needs to be correctly guided to develop better.This article takes the consumer as the research object,specifically analyzes the consumers’participation in our country online mutual aid situation and the related important influence factor through the investigation data,and understands the consumers’demand for the online mutual aid.Because participation is a typical binary discrete problem,the probit model is used for empirical analysis,the parameters of the model are estimated by stata,and the goodness of fit of the probit model is verified by Hosmer and Lemeshow test.The empirical results show that consumers’participation in online mutual aid is influenced by age,income,trust and education.