移动支付对居民消费的影响——基于CHFS的实证分析

The Impact of Mobile Payment on Resident Consumption:Based on the empirical analysis of CHFS

随着移动互联网的普及,移动支付逐渐成为消费者的支付习惯。从双通道心理账户理论、交易成本以及流动性约束三方面分析移动支付对消费的影响机制,采用两阶段最小二乘法进行估计,结果显示,移动支付对家庭总消费、食品支出、教育支出、文娱支出有显著的正向影响,其中对食品支出的影响最大,对文娱支出的影响最小。

As the development of mobile internet,mobile payment has gradually become the payment habit of consumers.It analyzes the influence mechanism of mobile payment on consumption from three aspects:dual-channel mental account theory,transaction cost and liquidity constraint.The two-stage least squares method is used to estimate.The results show that mobile payment has a significant positive impact on household consumption,food expenditure,education expenditure,and entertainment expenditure.Among them,it has the largest impact on food expenditure and the least impact on entertainment expenditure.