移动支付对家庭债务的影响——基于CHFS的数据

Impact of Mobile Payment on Household Debt:Based on CHFS Data

文章基于2019年中国家庭金融调查数据,采用中介效应,探讨了消费性支出在移动支付导致家庭债务水平增加的过程中发挥的作用。结果表明:移动支付的发展对家庭的债务水平有显著的正向影响,即移动支付导致了家庭债务规模的扩大;消费性支出在移动支付与家庭债务之间具有显著中介效应。因此,要持续推动移动支付方式,倡导居民理性消费,控制合理的家庭债务水平。

Based on the survey data of China’s household finance in 2019,this paper discusses the role of consumer expenditure in the process of increasing household debt level caused by mobile payment.The results show that the development of mobile payment has a significant positive impact on the level of household debt,that is,mobile payment has led to the expansion of household debt scale;Consumer expenditure has a significant mediating effect between mobile payment and household debt.Therefore,we should continue to promote mobile payment,advocate rational consumption of residents,and control a reasonable level of household debt.