中文摘要：

基于技术接受模型,提出技术便利、主观规范、安全认知和信任等影响大学生使用第三方支付模式的外部变量,同时加入协同性这个外部变量,建立了大学生使用第三方在线支付模式的影响因素模型。通过对在校大学生的抽样调查,建立结构方程模型,并进行检验。研究结果表明技术便利、主观规范、安全认知、信任和协同性是主要影响大学生使用第三方在线支付模式的影响因素。对第三方在线支付模式提出了相应的建议。

英文摘要：

Based on the technology acceptance model,this article concludes technical facility,subjective norm,security awareness and trust,such as external variables about the impact of college students using a third party payments,meanwhile,innovative joins the synergy into the external variables,and then establishes a third party online payment pattern factor model of university students.The article takes a sample survey conducted on college students,uses the structural equation modeling,and carries out inspection. The results show that the major impact factors of college students using a third party online payment model are technical facilities, subjective norm, security awareness, trust and synergy. Finally,the article makes recommendations accordingly.