Table 4.

Estimation results of structural equation model.

Path	Coefficient	Standard Error	Critical Ratio (t-Value)
H1: Knowledge → Risk perception	−0.170 ***	0.065	−2.62
H2: Social trust → Risk perception	−0.068	0.062	−1.09
H3: Attitude → Risk perception	0.509 ***	0.091	5.57
H4: Risk perception → Int-avoid	0.074 ***	0.018	4.17
H5: Class experience → Knowledge	2.135 ***	0.302	7.07
H6: Class experience → Social trust	0.715 **	0.339	2.11
H7: Class experience → Attitude	0.195	0.232	0.84

Note: Asterisks ** and *** indicate statistical significance at the 5 percent and 1 percent levels, respectively.