移动支付对居民消费的影响——基于CHFS的实证分析

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.

The Impact of Mobile Payment on Resident Consumption: Based on the empirical analysis of CHFS

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.