摘要
基于2015年、2017年、2019年中国家庭金融调查(CHFS)数据,分析支付数字化对家庭消费的影响。实证结果表明:支付数字化对家庭消费存在显著正向影响且对享乐发展型消费的影响大于生存型消费。家庭创业行为与商业保险行为在支付数字化与家庭消费间起到中介作用。进一步分析发现,支付数字化对生存型消费的影响在农业户籍与西部地区家庭更加突出;支付数字化对享乐发展型消费的影响在农业户籍与东部地区家庭更加显著。因此要大力推动支付数字化与相关知识的普及,优化消费环境、提高消费信心,推动消费升级。
Based on the 2015,2017,and 2019 China Household Finance Survey(CHFS)data,this paper analyzes the impact of payment digitization on household consumption.The empirical results show that the digitization of payments has a significant positive impact on household consumption and has a greater impact on hedonistic developmental consumption than survival consumption.Family entrepreneurship and commercial insurance play an intermediary role between payment digitization and household consumption.Further analysis found that the impact of payment digitization on subsistence consumption was more prominent in agricultural household registration and households in the western region;The impact of the digitization of payments on hedonistic developmental consumption is even more pronounced in agricultural households and households in the eastern region.Therefore,it is necessary to vigorously promote the digitalization of payment and the popularization of related knowledge,optimize the consumption environment,improve consumer confidence,and promote consumption upgrading.
作者
侯冠宇
胡宁宁
HOU Guanyu;HU Ningning(Business School,China University of Political Science and Law,Beijing 100088,China;Chinese Academy of Fiscal Sciences,Beijing 100142,China)
出处
《经济与管理》
2023年第1期20-28,共9页
Economy and Management
基金
国家社会科学基金项目(22BJL007)
国家社会科学基金重大项目(21ZD079)。
关键词
支付数字化
家庭消费
消费结构
消费升级
经济高质量发展
digital payments
household spending
consumption structure
consumption upgrades
high-quality economic development
