支付方式数字化程度对家庭消费的影响——基于CHFS数据分析  

The Impact of the Degree of Digitalization of Payment Methods on Household Consumption:Based on Data Analysis of CHFS

作　　者：王立平[1] 夏敏 WANG Liping;XIA Min(School of Economics,Hefei University of Technology,Hefei 230601,China)

机构地区：[1]合肥工业大学经济学院,安徽合肥230601

出　　处：《华东经济管理》2022年第7期87-97,共11页East China Economic Management

基　　金：国家社会科学基金重大项目“新时代背景下我国经济发展质量动态评价及其政策协同”(18ZDA064);安徽省自然科学基金青年项目“产业生态转型与高质量发展:机制甄别、效应分析与政策优化研究”(JZ2021AKZR0365);合肥工业大学学术新人提升计划A项目“结构调整视角下中国绿色制造体系构建研究”(JZ2021HGTA0135)。

摘　　要：随着科学技术的发展,我国社会已进入蓬勃发展的大数据时代,观望全球,数字化支付方式取代了较多的现金交易流,使得人们足不出户便可以享受数字化支付带来的生活便利。尤其是在中国,各种网购平台和数字化支付的使用,使人们消费水平和支付方式相比之前发生了极大的变化。文章利用中国家庭金融调查数据(CHFS),并以家庭是否存在借款或贷款刻画家庭信用负债水平,在此基础上展开分析。结果表明:支付方式数字化程度越高,越能促进家庭消费水平及消费结构升级;数字化支付方式会促进中、低等收入家庭消费结构升级,但对高等收入家庭无明显影响;更高数字化程度的支付平台提供更多信用负债功能,缓解家庭消费流动性约束,扩大家庭消费预算;家庭现金持有量能够正向调节支付方式对家庭负债水平的影响。研究从支付方式多元化视角,为扩大内需、畅通内循环提供一定的理论与实证依据。With the development of science and technology,our society has entered the booming big data era.Watching the world,digital payment has replaced more cash transaction flow,making people enjoy the convenience of life brought by digital payment without leaving home.Especially in China,the use of various online shopping platforms and digital payment has made great changes in people’s consumption level and payment methods.This paper uses the data of China Household Finance Survey(CHFS)to describe the level of household credit liabilities based on whether households have loans or not.The results show that the higher the degree of digitalization of payment methods,the more it can promote the upgrading of household consumption level and consumption structure;digital payment will promote the upgrading of consumption structure of middle and low-income families,but it has no significant impact on high-income families;payment platforms with a higher degree of digitalization provide more credit liability functions,ease the liquidity constraints of household consumption,and expand household consumption budgets;household cash holdings can positively adjust the impact of payment methods on household debt levels.From the perspective of diversification of payment methods,the study provides a certain theoretical and empirical basis for expanding domestic demand and unblocking internal circulation.

关 键 词：支付方式数字化程度 家庭消费水平 家庭信用负债 现金持有量 

分 类 号：F832.2[经济管理—金融学] F126.1F724.6