随着数字技术的飞速进步,移动支付作为一种新兴电子支付方式在我国迅猛发展,深刻地改变了居民的支付习惯和消费模式。本研究基于2019年中国家庭金融调查(CHFS)的数据,采用OLS回归、分位数回归以及中介效应等分析方法,深入探讨了移动支...随着数字技术的飞速进步,移动支付作为一种新兴电子支付方式在我国迅猛发展,深刻地改变了居民的支付习惯和消费模式。本研究基于2019年中国家庭金融调查(CHFS)的数据,采用OLS回归、分位数回归以及中介效应等分析方法,深入探讨了移动支付如何影响农村家庭的消费结构,并考察了作用机制。研究结果显示:(1) 移动支付显著促进了农村家庭的消费结构升级,这一发现通过工具变量法和替换被解释变量进行了稳健性检验后结果依然成立;(2) 异质性分析揭示,移动支付有助于提升农村整体消费水平,对低收入水平和中西部地区家庭的消费结构升级具有更显著的正向作用;(3) 作用机制分析指出,移动支付通过提高家庭负债水平来促进农村家庭消费结构升级。本文的研究结论为推动移动支付在农村地区的普及提供理论依据和参考;为扩大内需、畅通内循环提供了方向和思路。With the rapid advancements in digital technology, mobile payments have swiftly gained traction as an innovative electronic transaction mode within China. This transformation has fundamentally reshaped consumer spending behaviors among residents. Leveraging data from 2019’s China Household Finance Survey (CHFS), our study employs OLS regression, Quantile regression, and intermediary effect analyses to comprehensively investigate how mobile payments impact rural household expenditure structures while scrutinizing underlying mechanisms. Our findings indicate that: (1) Mobile payments notably drive enhancements in rural household expenditure structures—a conclusion substantiated through rigorous testing using instrumental variable methods alongside alternative explanatory variables;(2) Heterogeneity analysis uncovers that mobile payments foster improvements in overall rural spending levels with particularly pronounced benefits for elevating expenditure structures among low-income households as well as those residing in central and western regions;(3) Mechanism analysis underscores how increased household debt serves as a catalyst for advancing rural household expenditure structures via widespread adoption of mobile payments. These research insights furnish a theoretical foundation for advocating wider adoption of mobile payments across rural landscapes while offering strategic pathways to bolster domestic demand alongside streamlining internal circulation.展开更多
文摘随着数字技术的飞速进步,移动支付作为一种新兴电子支付方式在我国迅猛发展,深刻地改变了居民的支付习惯和消费模式。本研究基于2019年中国家庭金融调查(CHFS)的数据,采用OLS回归、分位数回归以及中介效应等分析方法,深入探讨了移动支付如何影响农村家庭的消费结构,并考察了作用机制。研究结果显示:(1) 移动支付显著促进了农村家庭的消费结构升级,这一发现通过工具变量法和替换被解释变量进行了稳健性检验后结果依然成立;(2) 异质性分析揭示,移动支付有助于提升农村整体消费水平,对低收入水平和中西部地区家庭的消费结构升级具有更显著的正向作用;(3) 作用机制分析指出,移动支付通过提高家庭负债水平来促进农村家庭消费结构升级。本文的研究结论为推动移动支付在农村地区的普及提供理论依据和参考;为扩大内需、畅通内循环提供了方向和思路。With the rapid advancements in digital technology, mobile payments have swiftly gained traction as an innovative electronic transaction mode within China. This transformation has fundamentally reshaped consumer spending behaviors among residents. Leveraging data from 2019’s China Household Finance Survey (CHFS), our study employs OLS regression, Quantile regression, and intermediary effect analyses to comprehensively investigate how mobile payments impact rural household expenditure structures while scrutinizing underlying mechanisms. Our findings indicate that: (1) Mobile payments notably drive enhancements in rural household expenditure structures—a conclusion substantiated through rigorous testing using instrumental variable methods alongside alternative explanatory variables;(2) Heterogeneity analysis uncovers that mobile payments foster improvements in overall rural spending levels with particularly pronounced benefits for elevating expenditure structures among low-income households as well as those residing in central and western regions;(3) Mechanism analysis underscores how increased household debt serves as a catalyst for advancing rural household expenditure structures via widespread adoption of mobile payments. These research insights furnish a theoretical foundation for advocating wider adoption of mobile payments across rural landscapes while offering strategic pathways to bolster domestic demand alongside streamlining internal circulation.
