移动支付、居民收入与居民消费结构

On the Mobile Payment,Residents'Income and Consumption Structure

支付方式会影响到消费者的购买意愿。通过理论分析发现,移动支付的支付流程更加便捷,能够缓解消费者的流动性约束,支付时存在“心理账户”效应,因此移动支付可增加居民消费。实证分析进一步表明,移动支付和可支配收入能够显著增加生存型消费和发展型消费;生存型消费和发展型消费受到短期冲击后,能够较快地回归长期均衡状态;格兰杰因果关系检验表明,移动支付变动和生存型消费变动互为因果关系,移动支付变动只能单向引起发展型消费的变动。因此,可以从提高移动支付普及率、鼓励移动支付技术创新、加强监管等方面入手,发挥移动支付对于消费的积极影响。

The way of payment will affect the purchase intention of consumers.Theoretical analysis shows that,mobile payment has the advantages of more convenient payment experience,easing consumer liquidity constraints and the existence of"psychological account"effect,so it can increase the consumption of residents.The empirical analysis further shows that mobile payment and disposable income can significantly improve the survival consumption and development consumption.After the shortterm impact,survival consumption and development consumption can quickly return to the long-term equilibrium state.Granger causality test shows that the change of mobile payment and the change of survival consumption are mutually causal,and the change of mobile payment can only cause the change of development consumption in one way.The positive impact of mobile payment on consumption can be exerted by improving the penetration rate of mobile payment,encouraging technological innovation of mobile payment and strengthening supervision.