网购经历、信用卡使用与家庭消费——基于有中介的调节模型  

Online Shopping Experience,Credit Card Use and Family Consumption--Based on a Mediated Moderation Model

作　　者：赵俊 崔宝玉[2] 王孝璱 ZHAO Jun;CUI Baoyu;WANG Xiaose(School of International Economics,Anhui International Studies University,Hefei 231201,China;School of Economics,Anhui University,Hefei 230601,China)

机构地区：[1]安徽外国语学院国际经济学院,合肥231201 [2]安徽大学经济学院,合肥230601

出　　处：《长春大学学报》2021年第7期21-27,共7页Journal of Changchun University

基　　金：国家自然科学基金面上项目(71573001);安徽省高校优秀青年人才支持计划项目(gxyq2020210);安徽省省级质量工程项目(2019sxzx23)。

摘　　要：根据流动性约束理论,构建一个有中介的调节模型,将家庭是否拥有自有住房和家庭是否使用信用卡纳入网购经历对家庭消费的影响机制中。基于CHFS最新数据分析,得出的结果表明:网购经历对于家庭消费具有显著的正向影响;信用卡使用在网购经历和家庭消费的关系中存在部分中介效应;家庭是否拥有自有住房正向调节网购经历对家庭消费的影响,并且该调节效应部分通过家庭是否使用信用卡这个中介得以实现。因此,国家进一步提升家庭自有住房拥有率,引导居民家庭参与网购并合理使用信用卡,均能有效提升家庭消费水平。According to the theory of liquidity constraint,this paper constructs a mediated adjustment model,which puts whether the family owns its own house and whether the family uses credit card into the influencing mechanism of online shopping experience on family consumption.Based on the latest data analysis of CHFS,the results obtained show that online shopping experience has a significant positive impact on family consumption;Credit card use has a partial mediated effect on the relationship between online shopping experience and family consumption;Whether the family has its own house positively moderates the impact of online shopping experience on family consumption,and the moderated effect is partly realized through whether the family uses credit card or not.Therefore,that the state further improves the family's own housing ownership rate,guides families to participate in online shopping and reasonably uses credit cards can effectively improve the family consumption level.

关 键 词：网购经历 信用卡使用 自有住房 家庭消费 

分 类 号：F830.9[经济管理—金融学]