非现金支付方式、借贷获得与旅游消费支出——基于CHFS 2017数据的分析  

Non-cash Payment Methods,Borrowing Access,and Tourism Consumption Expenditures——Analysis based on CHFS2017 Data

作　　者：康悦 郭为 王静 Kang Yue;Guo Wei;Wang Jing(School of Tourism and Geographical Sciences,Qingdao University,Qingdao 266071,China)

机构地区：[1]青岛大学旅游与地理科学学院,山东青岛266071

出　　处：《旅游论坛》2023年第4期110-122,共13页Tourism Forum

摘　　要：支付方式的改变是中国新经济的一个典型特征。非现金支付改变了中国人的消费习惯,对当今消费产生了重大影响。文章利用中国家庭金融调查2017(CHFS2017)数据,研究了非现金支付方式对个体旅游消费支出的影响。结论如下:使用非现金支付能够促进旅游消费支出;风险偏好对非现金支付方式促进旅游消费支出具有调节作用;借贷获得在非现金支付对旅游消费支出的影响过程中起中介作用;支付方式的不同组合,会导致旅游消费支出不同;旅游消费支出具有城乡和群体异质性。非现金支付方式对城镇地区和新一代个体的旅游消费促进作用更大。依据上述结论,文章最后提出了相应的政策建议。In recent years,sluggish residential consumption has become an important factor limiting economic development.Therefore,how to stimulate consumption and promote consumption upgrade has become a common topic of concern among scholars.Promoting the growth and upgrading of consumption through tourism is a useful attempt.Tourism consumption is different from daily consumption as it connects the six consumption areas of"food,accommodation,transportation,tourism,shopping and entertainment".The wide coverage and the high yield makes it an effective means to stimulate domestic consumption.The growth of tourism consumption is due to the diversification of payment methods,especially the development of mobile payments.Mobile payment has become the preferred method of payment.The change in payment methods has changed the consumption behavior of Chinese people to some extent.People are using mobile payment to purchase all kinds of goods and services through internet platforms rather than physical stores.Changes in payment methods have certainly increased consumption.Previous scholars have explored many factors that influence tourism consumption,but little attention has been paid to the unique and contemporary factor of payment methods.Questions such as what portion of this tourism spending is driven by changes in payment methods remain unexplored.Therefore,the innovations of this paper are as follows.First,the article explores for the first time the impact of non-cash payment methods on tourism consumption expenditure.Second,the article analyzes the impact of individual payment method combinations on tourism consumption expenditure based on further breakdown of payment methods and verifies that the convenience and diversity of payment methods can increase consumption expenditure.Third,the article verifies the impact of non-cash payment methods on tourism consumption expenditure in terms of liquidity constraints and risk preferences.These two perspectives enrich the literature on the influence of payment methods on tourism con

关 键 词：非现金支付方式 借贷获得 旅游消费支出 

分 类 号：F590.8[经济管理—旅游管理]