Through establishing factor analysis model, this paper obtains seven common factor that affect consumers to use online payment;
其次，通过建立因子分析模型，获得影响消费者使用网上支付平台的七个共性因子；
Linear models mainly include the factor analysis model and the trend surface model. And nonlinear models include BP neural network model.
其线性模型主要为因子分析模型和趋势面分析模型，非线性模型为BP神经网络模型。
Conclusion the maximum likelihood method based on MCECM algorithm can be used to estimate the parameters of non-linear factor analysis model.
结论基于MCECM算法的极大似然估计方法可用于估计非线性因子分析模型的参数。
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