移动支付与家庭旅游消费不平等

Mobile Payment and Family Tourism Consumption Inequality

文章基于2017年中国家庭金融调查(CHFS2017)微观数据,运用内生转换模型对移动支付与家庭旅游消费不平等的关系及作用机制进行实证分析。研究结果表明:移动支付使用显著地降低了家庭旅游消费不平等;基于反事实假设,实际未使用移动支付的家庭若选择使用移动支付,家庭旅游消费不平等水平将下降2.7%;在替换被解释变量后,估计结果依然稳健。异质性分析发现,移动支付对高旅游资源禀赋地区和中等收入家庭的旅游消费不平等缓解效应更明显。机制分析发现,移动支付主要通过提高家庭信贷能力和家庭收入两条路径缓解家庭旅游消费不平等。文章提出,地方政府需着力于降低家庭旅游消费的交易成本,不断丰富旅游产品供给形式,优化提升居民旅游消费等政策措施。

Based on the data of 2017 China Household Finance Survey(CHFS2017),this paper empirically tests the relationship and action mechanism of mobile payment and family tourism consumption inequality using an endogenous transformation model.The research results show that the use of mobile payment significantly reduces the inequality of family tourism consumption.Based on the counter-factual assumptions,families that do not actual⁃ly use mobile payment,if choosing to use mobile payment,will have a 2.7%decrease of the inequality level of fami⁃ly tourism consumption.After replacing the explained variables,the estimation results are still robust.A heterogene⁃ity analysis finds that the alleviating effect of mobile payment on tourism consumption inequality of areas with high tourist-resource endowment and middle-income families is more obvious.A mechanism analysis shows that mobile payment alleviates the inequality of family tourism consumption mainly by improving family credit ability and family income.The study proposes that local governments focus on reducing the transaction costs of family tourism con⁃sumption,continuously enrich the supply forms of tourist products,and optimize the policy measures to improve resi⁃dents’tourism consumption.