移动支付,数字包容性金融以及居民消费行为研究
1Graduate School, Chinese Academy of Fiscal Sciences, Beijing, China.
PloS one
|July 22, 2024
概括
移动支付促进了家庭消费,特别是发展需求,并增强了金融包容性. 它的影响因收入和地区而异,低收入和高收入群体看到更大的好处.
科学领域:
- 经济学 经济学 经济学
- 数字金融数字金融
- 消费者行为 消费者行为
背景情况:
- 在全球范围内,移动支付的采用正在迅速增加.
- 数字金融在经济发展中起着至关重要的作用.
- 了解消费模式是经济政策的关键.
研究的目的:
- 调查移动支付,包容性数字金融和中国家庭消费之间的关系.
- 分析移动支付对不同类型消费的直接和间接影响.
- 基于社会经济因素,探索移动支付影响的异质性.
主要方法:
- 利用来自多个中国家庭财务调查的数据.
- 采用计量经济学分析来评估互动效应.
- 根据收入,依赖结构和地区进行异质性分析.
主要成果:
- 移动支付直接提高了家庭消费,特别是享乐主义和发展支出.
- 移动支付通过数字金融机制间接促进基本和发展性消费.
- 对低收入和高收入群体的影响是显著的,在东部/中部地区更为强烈.
结论:
- 移动支付是家庭消费升级的重要驱动力.
- 需要量身定制的金融包容性政策来最大限度地提高收益.
- 促进移动支付和数字金融之间的互动对于经济增长至关重要.
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