A Study On The Willingness Of Individual Industrial And Commercial Households In Z Bank To Handle Point Of Sales

Under the background of "Internet plus",the payment system of our country has changed greatly,especially the way of payment,which has penetrated into every aspect of people's life and work.Mobile Payment,especially POS card and Qr code payment,has become the main payment method for consumers.However,due to the variety of payment methods,the management cost of the payee in the payment market is still high,and Smart Pos and aggregation Qr code payment have come into being under the drive of innovation and competition.Especially since the implementation of the bank card transaction fee reform in September 2016,with the overall scale of the payment market,the blue sea market has become a competitive Red Sea market.As a channel of Bill Collection Business,banks show great differences in the willingness of merchants to use them.In this environment,this paper studies the willingness of merchants to enter the network for bill collection business,this paper analyzes the main influencing factors of individual industrial and commercial households' willingness to deal with bill collection business.Based on the theory and the existing literature,the paper selects the individual industrial and commercial households in the business circle of Zhengzhou Railway Station as the research object,and uses the method of questionnaire to carry out on-the-spot investigation on the business of collecting bills in the business circle of Zhengzhou railway station,to Obtain first-hand data,and fully understand the domestic and foreign receipt business related research and Z bank receipt business on the basis of descriptive statistical analysis of survey data.The descriptive statistical analysis includes the cross-analysis of the relevant factors and individual industrial and commercial households' willingness to access the network,and the preliminary screening out the factors that affect the willingness to access the network.In order to further demonstrate the influence of each factor on individual industrial and commercial households' willingness to enter the net and the magnitude and directionof the influence degree,binary Logistic regression was used to test.Based on the above analysis,it is found that the educational level of the self-employed,the situation of credit sale,the way of payment,the way of collection and the existing channels of the self-employed are significant factors.Therefore,it is necessary to improve the willingness of merchants to handle the receipt business of z bank,so as to increase business volume,increase market share and enhance competitiveness Second,focus on business services to enhance the business experience,third,to provide diversified financial services.As an important part of the business circle,the individual business is an important part of the POS receipt business,it is necessary to study.The innovation of this article mainly has three aspects: First,carries on the research to the Railroad Station Business Circle Individual Industry and Commerce;Second,unifies the actual situation of the branch,carries on the classification,the stratification to the customer group,third,to provide reference and help for the problems of the same nature as the Yj sub-branch of Z bank.