论影响新西兰消费者付费方式的主要因素及其对中国的启示

论述了研究影响消费者付费方式主要因素的重要性;以新西兰人为例,随机抽样有效问卷252例,分析了年龄、学历、收入、消费额度和付费方式特点诸因素对付费方式的影响;采用皮尔逊卡方检验和统计学方法处理,结果表明,影响消费者对付费方式的选择不仅与消费者本身情况有关（如年龄、学历）,也与付费方式特点及付费金额大小有关;提出银行应针对不同消费者的各种需要,推出不同的付费方式。同时出台各种消费的优惠政策,促进中国经济的健康可持续发展。

Main Factors Affecting Consumers' Payment Methods in New Zealand and Inspiration to China

The significance of the main factors affecting consumers＇ payment methods is discussed.Illustrating by the case of New Zealanders,252 questionnaires were randomly selected,using Pierxunka square test and statistical approach,the factors that affect the payment methods were analyzed.The results show that the consumer＇s choice of payment methods is not only relevant to the consumers themselves（such as age,education）,but also relevant to the characters and amount of payment.It is presented that banks should provide different payment methods to meet the different needs of consumers,and introduce a variety of consumer incentives policy to promote healthy and sustainable development of China＇s economy.