空气质量是否影响信用卡消费?

Does Air Quality Impact Credit Card Consumption?

本文基于北京某银行客户交易数据及北京空气质量数据,实证研究空气质量对信用卡消费的影响。研究发现,空气质量对信用卡消费有负向影响;在空气质量作用下,周末、三天假期有利于促进信用卡消费,但七天长假对信用卡消费不产生显著影响;餐饮、美容美发等时间选择自由程度较高的消费与空气质量显著负相关,而医药消费等时间选择自由程度较低的消费不受空气质量影响。

Based on the transaction data of a bank in Beijing and the data of Beijing air quality, the author of this paper empirically studies the impact of air quality on credit card consumption. The results of the paper show that the air quality has a negative impact on credit card consumption; due to the impact of air quality, the weekends and the three-day holidays are conducive to promoting credit card consumption, but the seven-day holidays do not have a significant impact on credit card consumption; the consumption with high degree of freedom in time choice such as catering, hairdressing and beauty treatment, etc. is significantly and negatively correlated with air quality, but the consumption with low degree of freedom in time choice such as medical consumption,etc. is not affected by air quality.