摘要
基于2017年和2019年中国家庭金融调查数据,使用固定效应模型、工具变量估计、Tobit模型和差分模型,研究了移动支付对家庭旅游消费的影响。结果表明:移动支付能够显著提高家庭出游概率、促进家庭旅游消费,且对高收入、高人力资本、城镇和老年家庭影响更大。机制检验发现,移动支付通过提升居民信任水平、提高支付便利性促进家庭旅游消费。鉴于此,应深入发展智慧旅游,驱动旅游消费智慧化、数字化升级。
Based on data from the 2017 and 2019 China Household Finance Survey,the impact of mobile payment on household travel consumption was investigated using the fixed-effects model,instrumental variable method,Tobit model and difference model.The results show that mobile payments significantly increase the probability of household travel and promote household travel spending,and have a greater impact on high-income,high human capital,urban,and elderly households.Mechanism tests found that mobile payments promote household travel consumption by improving payment convenience as well as enhancing residents’trust levels.In view of this,smart tourism should be developed in depth to drive the smart and digital upgrade of tourism consumption.
作者
尹志超
郭润东
YIN Zhichao;GUO Rundong(School of Finance,Capital University of Economics&Business,Beijing100070,China)
出处
《财经理论与实践》
北大核心
2024年第2期2-8,共7页
The Theory and Practice of Finance and Economics
基金
国家社会科学基金重点项目(20AJL016)
首都经济贸易大学博士研究生学术新人计划项目(2022XSXR13)。
关键词
移动支付
出游决策
旅游消费
mobile payment
travel decisions
tourism consumption
