数字普惠金融对居民信用卡使用的影响研究——来自中国家庭的微观证据

Research on the Impact of Digital Inclusive Finance on Residents Credit Card Use——Micro Evidence from Chinese Families

信用卡是促进信贷消费的重要途径之一。本文利用中国家庭金融调查数据(CHFS)、中国统计年鉴和北京大学数字普惠金融指数,研究数字普惠金融发展对居民信用卡使用的影响。结果表明:相较于传统普惠金融,数字普惠金融更能促进居民使用信用卡,但该促进作用因居民受教育水平和年龄的不同存在异质性;数字普惠金融的覆盖广度指数和使用深度指数均能促进居民信用卡使用;数字普惠金融通过刺激居民家庭消费促进了居民信用卡使用。研究结论有助于厘清数字普惠金融作用于居民信用卡使用行为的机制与实施路径。

Credit card is one of the important ways to promote credit consumption.Using the data of China Household Finance Survey(CHFS),China Statistical Yearbook and Peking University Digital inclusive finance index,this paper studies the impact of the development of digital Inclusive Finance on Residents credit card use.The results show that digital inclusive finance can promote residents credit card use better than traditional Inclusive Finance,but the promotion effect will exist due to the different education level and age of residents Heterogeneity;the coverage breadth index and use depth index of digital inclusive finance can promote residents credit card use.The impact mechanism research shows that digital inclusive finance promotes the use of credit card by stimulating household consumption.The conclusion is helpful to clarify the impact mechanism and implementation path of digital Inclusive Finance on Residents credit card use behavior.