第三方支付、创业与家庭收入

Third-Party Payment, Entrepreneurship and Household Income

本文利用2017年中国家庭金融调查(CHFS)数据,研究京津冀地区第三方支付、创业与家庭收入之间的关系。研究发现,第三方支付有助于促进家庭创业,进而提高家庭收入;有助于促进城乡家庭主动创业和农村地区生存型创业;因此,第三方支付会改善家庭创业意愿,进而提高家庭非工资性收入。第三方支付作为便捷的支付方式,可成为家庭创业的有效激励,促进家庭非工资性收入的提高。

The authors of this paper use the 2017 China Household Finance Survey (CHFS) data to study the relationship between third-party payment, entrepreneurship and household income in Beijing-Tianjin-Hebei region. The results of the paper show that the third-party payment helps promote family entrepreneurship, and thereby increase household income;it helps promote the active entrepreneurship of urban and rural households, and the survival-based entrepreneurship of rural households;therefore, the third -party payment will improve family's entrepreneurial willingness, and thereby increase the non-wage incomes of households. As a convenient payment method, the third-party payment can be an effective incentive for family entrepreneurship and promote the improvement in household non-wage income.