移动支付对我国居民消费影响的实证研究  

An Empirical Study on the Impact of Mobile Payment on China’s Household Consumption

作　　者：裴辉儒[1] 胡月 PEI Hui-ru;HU Yue(School of International Business, Shaanxi Normal University,Xi’an 710119,China)

机构地区：[1]陕西师范大学国际商学院

出　　处：《西安财经大学学报》2020年第1期37-44,共8页Journal of Xi’an University of Finance and Economics

摘　　要：居民消费支付方式正由传统的现金支付向移动支付转变,移动支付对居民消费行为产生了深刻影响。文章从理论机制和实证两方面剖析了移动支付对我国居民消费的影响。研究表明:随着居民收入水平的提高,支付方式呈现多样化,移动支付成为重要的居民消费支付手段,且在一定程度上具有刺激居民消费的作用,两者之间存在长期均衡关系。当居民消费偏离长期均衡时,移动支付会以0.9173的调整力度将居民消费拉回均衡关系。因此,应重视移动支付风险管理,推动移动支付便民化发展,促进移动支付的技术与业务创新,加强移动支付与其他产业融合,以促进移动支付对居民消费的正向影响。The mode of consumer payment is changing from traditional cash payment to mobile payment,and mobile payment has a profound impact on consumer behavior.This paper analyzes the impact of mobile payment on the consumption of Chinese residents from the theoretical mechanism and empirical analysis.The results show that the payment methods become diversified with the increase of residents’income level.Mobile payment has become an important means of household consumption payment and is stimulating household consumption to some extent.There is a long-term equilibrium relationship between mobile payment and household consumption.The mobile payment will pull back to the equilibrium relationship with the adjustment intensity of 0.9173 when residents’consumption deviates from the long-term equilibrium.According to the conclusion,the paper puts forward some policy suggestions:attaching importance to the risk management of mobile payment;promoting the development of the convenience of mobile payment;promoting the technology and business innovation of mobile payment and strengthening the integration of mobile payment with other industries.Only in these ways mobile payment can play a positive role in consumer consumption.

关 键 词：移动支付 居民消费 消费行为 消费者剩余 消费者效用 

分 类 号：F830.49[经济管理—金融学]