近年來，個人借貸（Peer-to-peer lending）興起，借貸市場成長率逐年增加，顯示愈來愈多人使用線上平台進行借款，個人借貸為媒合個人借款、投資之需求，讓具有資金的投資人可透過線上個人借貸平台，借款給在線上個人借貸平台募集所需資金的借款人，成立借貸契約，並依據契約所訂之期數、利息來還款，然而，線上個人借貸平台仍有安全性、交易效率及倒債風險問題，導致投資人的投資風險增加。
本研究以區塊鏈架構下的智能合約做為個人借貸的交易機制，以計畫行為理論(Ajzen & Madden, 1986)及科技接受模型（Davis, Bagozzi, Warshaw, 1989）作為主要研究架構，藉由行為理論探討人們在進行一般借貸或智能合約管理時，個人受到那些因素影響較深，以感知易用性、感知有用性、態度、意圖探討操作個人借貸的主觀行為，並增加影響投資行為的構面：信任、感知風險及感知利益，了解影響使用者於個人借貸中的投資行為因素，在個人使用智能合約時，對於認知投資風險、掌握交易狀況與信任交易機制之程度。
本研究發現感知易用性、感知有用性對態度具有正面顯著影響，而態度會對意圖產生正面顯著影響，代表使用智能合約輔助個人借貸中，平台容易操作、有效達到借貸目的，是影響使用者是否接受並持續使用的關鍵。

In recent years, Peer-to-peer lending (P2P lending) has risen, and the growth rate of the loan market has increased year by year. P2P lending is the matching of personal borrowing and investment needs through online platforms, and repayment is based on the number of periods and interest stipulated in the contract. However, P2P lending still has problems with security, transaction efficiency, and the risk of debt overruns, leading to increased investment risks.
This research uses smart contracts under the blockchain architecture as a transaction mechanism for P2P lending, and uses planned behavior theory (Ajzen & Madden, 1986) and technology acceptance models (Davis, Bagozzi, Warshaw, 1989) to explore behavior. Through perceiving ease of use, perceiving usefulness, attitude, and intention to explore the operation behavior of P2P lending, and increase the constructs that influence investment behavior: trust, perceived risk, and perceived benefits, and explore the investment factors that affect P2P lending.
This study found that perceived ease of use and perceived usefulness have a positive and significant impact on attitudes, and attitudes also affect intention. The difficulty of the operation process and whether it can achieve the purpose of lending are the main factors affecting the use of smart contracts to assist P2P lending.

論文審定書………………………………………………………………………i
論文公開授權書………………………………………………………………ii
中文摘要…………………………………………………………………………iii
Abstract …………………………………………………………………………iv
Chapter 1. Introduction …………………………………………1
1.1. Background …………………………………………………………1
1.2. Motivation ……………………………………………………………4
1.3. Purpose …………………………………………………………………6
Chapter 2. Theoretical background………………………8
2.1 Smart contract………………………………………………………9
2.2 Peer-to-peer lending……………………………………………13
2.3 The theory of planned behavior…………………………16
2.4 Technology acceptance model…………………………19
Chapter 3. Research architecture and method 20
3.1 Research model……………………………………………………21
3.2 Construct explanation …………………………………………24
3.3 Hypothesis………………………………………………………………29
3.4 Research design……………………………………………………34
Chapter 4. Research analysis and discussion……47
4.1. Analysis of background information…………………48
4.2. Research Variable analysis…………………………………55
4.3. Research model analysis……………………………………57
4.4. Model validation and discussion…………………………63
Chapter 5. Result………………………………………………………70
5.1. Conclusion………………………………………………………………70
5.2. Theoretical and practical implications………………74
5.3. Limitation………………………………………………………………77
5.4. Future research………………………………………………………78
References………………………………………………………………………80
Appendix…………………………………………………………………………86

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