移动支付对农户金融资产多样化的影响研究

Research on the Impact of Mobile Payment on the Diversification of Farmers'Financial Assets

本文利用中国家庭金融调查(CHFS)2015年、2017年和2019年的数据,构建Fractional Probit模型实证检验了农户使用移动支付对金融资产多样化的影响。研究发现,移动支付通过增强农户对金融知识的关注和认知程度、提升农户的风险偏好、提高收入水平和缩小数字鸿沟,显著促进了农户金融资产多样化。异质性分析表明,农户的收入、年龄、受教育程度的差异会影响移动支付对农户金融资产多样化的促进作用。为进一步促进农户金融资产多样化和共同富裕目标的实现,需要加强移动支付平台建设,促进支付方式数字化转型,培养农户移动支付使用习惯,并防控金融资产多样化带来的风险。

Using data from the China Household Finance Survey(CHFS)for 2015,2017,and 2019,this paper constructs a Fractional Probit model to empirically test the impact of farm households'use of mobile payments on financial asset diversification.The study finds that mobile payments significantly contribute to the diversification of farmers'financial assets by enhancing their financial literacy and awareness,increasing their risk appetite,raising their income levels,and narrowing the digital divide.Heterogeneity analysis shows that differences in farmers'income,age,and education affect the contribution of mobile payments to the diversification of farmers'financial assets.To further promote the diversification of farmers'financial assets and the realization of the goal of common prosperity,it is necessary to strengthen the construction of mobile payment platforms,promote the digital transformation of payment methods,cultivate farmers'mobile payment usage habits,and prevent and control the risks associated with the diversification of financial assets.