摘 要
金融科技的快速发展深刻改变了金融消费者的决策模式与行为特征，本研究旨在探讨金融科技对金融消费者行为的影响机制及其实际效应。基于行为经济学理论框架，本文采用问卷调查与实验经济学相结合的研究方法，收集了1200名金融消费者的样本数据，并运用结构方程模型分析金融科技使用程度、信息获取方式及风险偏好之间的关系。研究发现，金融科技的应用显著提升了消费者的信息获取效率和决策自主性，同时对其风险感知和投资行为产生了复杂影响。具体而言，高数字化依赖的消费者表现出更强的风险承担意愿，但其决策也可能因信息过载而出现偏差。本研究的创新点在于首次将金融科技使用强度作为中介变量纳入消费者行为分析体系，并揭示了技术驱动下消费者心理账户调整的动态过程。研究结果为金融机构优化产品设计和服务模式提供了理论支持，也为监管政策的制定提供了参考依据。
关键词：金融科技；消费者行为；信息获取效率
Abstract
The rapid development of fintech has profoundly transformed the decision-making patterns and behavioral characteristics of financial consumers. This study aims to explore the mechanisms through which fintech influences consumer behavior and its practical effects. Grounded in the theoretical fr amework of behavioral economics, this research employs a combination of questionnaire surveys and experimental economics to collect sample data from 1200 financial consumers, analyzing the relationships among fintech usage intensity, information acquisition methods, and risk preferences using structural equation modeling. The findings indicate that the application of fintech significantly enhances consumers' efficiency in obtaining information and their decision-making autonomy while exerting complex impacts on their risk perception and investment behavior. Specifically, consumers with higher digital dependency exhibit greater willingness to take risks, yet their decisions may be subject to bias due to information overload. A key innovation of this study lies in incorporating fintech usage intensity as a mediating variable into the consumer behavior analysis system for the first time, revealing the dynamic process of psychological account adjustment driven by technology. The results provide theoretical support for financial institutions to optimize product design and service models and offer reference for the formulation of regulatory policies.
Keywords: Fintech；Consumer Behavior；Information Acquisition Efficiency
目 录
引言 1
一、金融科技与消费者行为概述 1
（一）金融科技的基本概念 1
（二）金融消费者行为的定义 2
（三）研究背景与意义 2
二、金融科技对消费决策的影响 2
（一）决策信息获取方式的变化 3
（二）数据驱动的个性化推荐影响 3
（三）消费者风险偏好转变分析 3
三、金融科技对交易行为的改变 4
（一）数字支付对交易频率的影响 4
（二）在线投资平台的普及效应 4
（三）消费者隐私保护意识提升 5
四、金融科技对金融教育与信任的影响 5
（一）金融科技推动金融知识普及 5
（二）消费者对金融科技的信任构建 5
（三）技术依赖性与潜在风险探讨 6
结 论 6
致 谢 8
参考文献 9
