网上支付对POS支付影响效应的实证研究

网上支付实现了超越时空约束的远程支付,为持卡人提供了更大的支付便利,降低了支付行为的社会成本。我国电子支付的两个主要方式——网上支付与POS支付都处于快速发展阶段,但在购物等一些应用上,二者似乎已经出现了竞争与替代关系。本文使用VAR模型的脉冲响应函数,实证研究了网上支付对POS支付的影响效应。

Empirical Research on Effects of Online Payment on Bankcard POS Payment

Online payment achieves a kind of remote payment which can surpass the constraints of time and space.It provides more convenient payment for cardholders,and reduces the social cost of payment behavior.Online payment and bankcard POS payment are two major types of payment in China,and both of them are in a stage of rapid development,and they almost emerge the relationships of competitive and alternative in some applications such as online shopping.This paper empirically researches the effects of online payme...