Title: Multivariate regression analysis on the influencing factors of internet financial products investment

Authors: Suying Nian

Addresses: Department of Economics and Management, Bengbu University, Bengbu, 233030, China

Abstract: In order to improve the comprehensiveness and contribution rate of regression analysis of influencing factors of internet financial product investment, from the perspective of behavioural finance, expected return, perceived risk, personal preference, conformity psychology, perceived usefulness and perceived ease of use are determined as independent variables, and eight hypotheses are put forward; normalise the collected data and solve the problem of data imbalance through SMOTE algorithm; construct a logistic regression model and test its effectiveness through confusion matrix, ROC curve, and fitting. Experiments have demonstrated that the variance contribution rate of the proposed method for analysing returns consistently remains below 7%, while the comprehensiveness of factor analysis exceeds 85%. This shows that the factors selected in this paper by using the logistic model have a greater impact on internet financial product investment, and the regression analysis is comprehensive and robust.

Keywords: internet financial management; investment influencing factors; multiple regression; logistic regression; confusion matrix.

DOI: 10.1504/IJBIDM.2025.149086

International Journal of Business Intelligence and Data Mining, 2025 Vol.27 No.2/3/4, pp.261 - 280

Received: 16 Dec 2024
Accepted: 12 Jun 2025
Published online: 13 Oct 2025 *

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