發(fā)布時(shí)間：2018-08-28 08:01

【摘要】：隨著經(jīng)濟(jì)地快速發(fā)展,人們生活水平的不斷提高,刷卡結(jié)算方式開(kāi)始出現(xiàn)在各行各業(yè),人們應(yīng)用的頻率也在不斷提高。刷卡結(jié)算的支付方式開(kāi)始逐步取代傳統(tǒng)支付形式,成為我國(guó)現(xiàn)階段較為常用的支付結(jié)算方式。金融IC卡應(yīng)用的重大突破,在改善群眾支付環(huán)境,便利群眾的同時(shí)也為商業(yè)銀行帶來(lái)新的發(fā)展機(jī)遇。安徽省是現(xiàn)階段經(jīng)濟(jì)狀態(tài)一般但是經(jīng)濟(jì)增長(zhǎng)速度飛快,在金融IC卡的應(yīng)用方面具有一定的代表性。所以本文選取安徽省的金融IC卡應(yīng)用現(xiàn)狀作為調(diào)研對(duì)象,希望通過(guò)對(duì)安徽省金融IC卡應(yīng)用現(xiàn)狀進(jìn)行具體分析后得到可供借鑒的建議。本文主要分為五個(gè)章節(jié)。第一章節(jié)對(duì)調(diào)研背景與目的、調(diào)研意義、調(diào)查方法和研究方法、論文框架和創(chuàng)新不足進(jìn)行闡述,確定調(diào)查研究的可行性。在第二章節(jié)中,首先介紹了我國(guó)金融IC卡應(yīng)用的整體狀況以及安徽省金融IC卡近年來(lái)的趨勢(shì)變化,然后結(jié)合金融IC卡在社會(huì)保障領(lǐng)域、城市交通領(lǐng)域、生活消費(fèi)領(lǐng)域、醫(yī)療衛(wèi)生領(lǐng)域和旅游娛樂(lè)領(lǐng)域這五個(gè)領(lǐng)域的具體應(yīng)用情況綜合分析當(dāng)前安徽省金融IC卡應(yīng)用的發(fā)展?fàn)顩r。第三章介紹了調(diào)查的過(guò)程。首先對(duì)被調(diào)查人群和數(shù)據(jù)研究方法進(jìn)行介紹,然后敘述了問(wèn)卷發(fā)放和回收的過(guò)程。第四章節(jié)是本文的實(shí)證部分,通過(guò)SPSS20.0軟件對(duì)問(wèn)卷調(diào)查所得的數(shù)據(jù)進(jìn)行實(shí)證分析,根據(jù)實(shí)證分析結(jié)果,得到城市交通因子、日常應(yīng)用因子、業(yè)務(wù)對(duì)比因子、接觸概率因子、優(yōu)惠增值因子、服務(wù)水平因子這六個(gè)關(guān)鍵性的影響因子,每個(gè)因子對(duì)金融IC卡應(yīng)用的影響方面和程度都不盡相同。再將六個(gè)主要影響因子與被調(diào)查人群的六項(xiàng)基本信息交叉進(jìn)行單因素方差分析,深度探討研究金融IC卡應(yīng)用的具體原因。第五章節(jié)是在前面調(diào)查研究的基礎(chǔ)上,歸納了安徽省金融IC卡應(yīng)用中面臨的困難,并提出相應(yīng)的政策建議。
[Abstract]:With the rapid development of economy and the continuous improvement of people's living standard, credit card payment is beginning to appear in various industries, and the frequency of people's application is also increasing. The payment method of credit card settlement has gradually replaced the traditional payment form and become the more commonly used payment and settlement method at the present stage in our country. The major breakthrough in the application of financial IC card not only improves the payment environment of the masses and facilitates the masses, but also brings new development opportunities to commercial banks. Anhui Province is a general economic state at the present stage, but the economic growth rate is fast, which is representative in the application of IC card. Therefore, this paper selects the current situation of financial IC card application in Anhui Province as the research object, hoping to get some suggestions for reference through the specific analysis of the current situation of financial IC card application in Anhui Province. This paper is divided into five chapters. The first chapter describes the research background and purpose, research significance, investigation methods and research methods, the framework of the paper and innovation deficiencies to determine the feasibility of investigation and research. In the second chapter, the author first introduces the overall situation of the application of financial IC card in China and the trend changes of financial IC card in Anhui Province in recent years, and then combines the financial IC card in the social security field, urban transportation field, living consumption field. The development of financial IC card application in Anhui Province is analyzed synthetically. The third chapter introduces the process of investigation. This paper first introduces the survey population and data research methods, and then describes the process of questionnaire distribution and recovery. The fourth chapter is the empirical part of this paper, through the SPSS20.0 software to carry on the empirical analysis to the questionnaire data, according to the empirical analysis result, obtains the city traffic factor, the daily application factor, the business contrast factor, the contact probability factor. The six key factors, namely preferential increment factor and service level factor, have different influences on the application of IC card. Then the six main influencing factors and the six basic information of the investigated population were cross-analyzed by single factor variance analysis, and the specific reasons for the application of the financial IC card were discussed in depth. The fifth chapter sums up the difficulties in the application of financial IC card in Anhui Province on the basis of previous investigation and research, and puts forward corresponding policy recommendations.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.2

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