商业研究

商业研究

• 商经理论 • 上一篇    下一篇

移动支付影响家庭消费行为作用机理与实证分析

张岳，彭世广   

  1. （南京农业大学 经济管理学院，南京 210095）
  • 收稿日期:2019-12-01 出版日期:2020-05-12
  • 作者简介:张岳（1992-），男，河北保定人，南京农业大学经济管理学院博士研究生，研究方向：消费经济学、农村金融；彭世广（1993-），男，湖南湘潭人，南京农业大学经济管理学院博士研究生，研究方向：消费经济学。
  • 基金资助:
    国家自然科学基金项目，项目编号：71333008。

The Mechanism and Empirical Analysis of Mobile Payment′s Influence on Household Consumption Behavior

ZHANG Yue, PENG Shi-guang   

  1. (College of Economics and Management, Nanjing Agricultural University, Nanjing 210095, China)
  • Received:2019-12-01 Online:2020-05-12

摘要： 本文通过机理分析并基于2017年中国家庭金融调查数据实证检验移动支付对家庭消费水平与消费结构的影响。研究说明移动支付会刺激家庭消费，促进家庭消费结构升级。一是非现金支付便捷交易、弱化购买支付的心理压力，促进消费。二是消费信贷起到中介作用，移动支付通过增强家庭信贷消费的可能性进而影响消费水平与消费结构。三是金融素养在移动支付对家庭消费水平、消费结构的影响过程中有一定的调节作用。

关键词: 移动支付, 消费水平, 消费结构, 金融素养

Abstract: This paper empirically tests the impact of mobile payment on household consumption level and consumption structure through mechanism analysis and based on 2017 China household financial survey data. The research shows that mobile payment will stimulate household consumption and promote the upgrading of household consumption structure.Firstly, non-cash payment is convenient for transaction, weakening the psychological pressure of purchase payment, and promoting consumption. Secondly, consumer credit plays an intermediary role,and mobile payment influences consumption level and consumption structure by enhancing the possibility of household credit consumption. Thirdly, financial literacy plays a regulatory role in the process of the impact of mobile payment on household consumption level and consumption structure.

Key words: mobile payment, consumption level, consumption structure, financial literacy