移动支付对居民消费的影响——基于CHFS的实证分析
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The Impact of Mobile Payment on Resident Consumption:Based on the empirical analysis of CHFS
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    摘要:

    随着移动互联网的普及,移动支付逐渐成为消费者的支付习惯。从双通道心理账户理论、交易成本以及流动性约束三方面分析移动支付对消费的影响机制,采用两阶段最小二乘法进行估计,结果显示,移动支付对家庭总消费、食品支出、教育支出、文娱支出有显著的正向影响,其中对食品支出的影响最大,对文娱支出的影响最小。

    Abstract:

    As the development of mobile internet, mobile payment has gradually become the payment habit of consumers. It analyzes the influence mechanism of mobile payment on consumption from three aspects: dual-channel mental account theory, transaction cost and liquidity constraint. The two-stage least squares method is used to estimate. The results show that mobile payment has a significant positive impact on household consumption, food expenditure, education expenditure, and entertainment expenditure. Among them, it has the largest impact on food expenditure and the least impact on entertainment expenditure.

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冒金凤,孙英隽.移动支付对居民消费的影响——基于CHFS的实证分析[J].科技与产业,2021,21(09):242-246

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  • 在线发布日期: 2021-09-19