移动支付发展对居民家庭金融资产结构的影响分析——基于家庭金融调查数据的实证  

Impact of Development of Mobile Payment on Household Financial Asset Structure:An Empirical Study Based on Household Financial Survey Data

作　　者：陈东[1] CHEN Dong(Honghe Central Branch,People’s Bank of China,Mengzi 661199,China)

机构地区：[1]中国人民银行红河州中心支行,云南蒙自661100

出　　处：《红河学院学报》2021年第6期113-118,共6页Journal of Honghe University

摘　　要：为充分了解和掌握移动支付发展对我国居民家庭金融资产结构的影响,本文运用已有研究成果,通过分析中国家庭金融调查(CHFS)2017年的数据,创新研究移动支付的快速发展对我国居民金融资产结构的关系。研究发现,移动支付对居民现金持有占比具有替代效应,而对居民金融资产占比的提升具有促进作用,对互联网理财产品的证明影响更为显著,移动支付对居民金融资产占比的正面影响程度受居民年龄和所在地区的影响而有所不同。本文的结论有助于为相关政策的制定提供理论依据。In order to fully understand and master the impact of the development of mobile payment on the financial asset structure of Chinese residents,this paper uses the existing research results and innovatively studies the relationship between the rapid development of mobile payment and the financial asset structure of Chinese residents by analyzing the data of China Household Finance Survey(CHFS)in 2017.The study found that mobile payment has a substitution effect on the proportion of residents’cash holdings,promotes the proportion of residents’financial assets,and has more significant impact on the certification of Internet financial products.The positive impact of mobile payment on the proportion of residents’financial assets is different due to the influence of residents’age and region.The conclusion of this paper is helpful to provide a theoretical basis for the formulation of relevant policies.

关 键 词：移动支付 金融资产结构 影响 

分 类 号：F832.5[经济管理—金融学]