电子支付对中国居民消费水平的影响研究——基于VAR模型

How Electronic Payment Influences Consumption Level of Chinese Residents:Based on VAR model

近些年来,随着互联网技术的蓬勃发展,我国迈入了以互联网支付和移动支付为标志的电子支付时代。电子支付的迅速发展深刻地改变了我国居民的消费习惯和消费方式。因此,深入剖析电子支付方式对居民消费水平的影响具有深刻的理论意义和现实意义。本文主要从电子支付的便利性和信贷功能、“心理账户”理论、线上支付对消费范围的扩张、营销活动拓宽消费深度和广度等方面进行分析,并建立VAR模型进行深入考察。最后提出大力发展电子支付以刺激消费的有关政策建议。

With the rapid development of Internet technology,China has ushered in the era of electronic payment marked by the Internet payment and mobile payment.The electronic payment has profoundly changed the consumption habits and patterns of Chinese residents.Therefore,it is of profound theoretical and practical significance to make in-depth analysis of the impact of electronic payment on the people's consumption.This study integrates both qualitative and quantitative analysis to analyze the problem.Qualitative analysis is mainly used to study the convenience and credit function of electronic payment,the application of"psychological account"theory,how the consumption scope being expanded by online payment,and how marketing activities broadening the depth and breadth of consumption.Quantitative analysis is used to prove that the development of electronic payment can stimulate consumption to a certain extent by means of self-established VAR model.It is proposed that electronic payment should be advocated and developed as a policy to stimulate consumption.