移动支付对农村中老年居民主观生活质量影响及对民族地区启示  

The Impact of Mobile Payment on the Subjective Quality of Life of Rural Middle aged and Elderly Residents and Its Implications for Ethnic Regions

作　　者：陈应武 苏剑峰[2] 孙金良 CHEN Ying-wu;SU Jian-feng;SUN Jin-liang(Guizhou Academy of Social Science,Guiyang,Guizhou 550002,China;School of Management,Shenyang University of Technology,Shenyang,Liaoning 110870,China;Guizhou University of Finance and Economics.Guiyang,Guizhou 550025,China)

机构地区：[1]贵州省社会科学院国家治理体系和治理能力现代化地方实践高端智库,贵州贵阳550002 [2]沈阳工业大学管理学院,辽宁沈阳110870 [3]贵州财经大学经济学院,贵州贵阳550025

出　　处：《贵州民族研究》2024年第4期62-69,共8页Guizhou Ethnic Studies

基　　金：贵州省哲学社会科学创新工程项目“移动支付对农村中老年居民主观生活质量的影响研究”(项目编号:CXHQ2413)的阶段性成果。

摘　　要：移动支付作为革命性新生力量,推动着农村中老年居民主观生活质量的变革。利用2019年中国家庭金融调查(CHFS)数据,采用Ordered Probit模型就移动支付对农村中老年居民主观生活质量的影响进行了实证分析。研究结果表明:农村中老年居民使用移动支付会显著降低其主观生活质量。同时,本文结合工具变量法和条件混合回归(CMP)方法克服移动支付的内生性问题,回归结果表明上述结论依然成立。异质性分析表明:移动支付对居住东部、东北部以及男性农村中老年居民主观生活质量的负向作用更加强烈,对民族地区农村中老年居民具有正向影响。How to improve the subjective quality of life of rural middle-aged and elderly people has become a key topic of concern for all sectors of society.Mobile payment,as a revolutionary new force,is driving the transformation of the subjective quality of life for middle-aged and elderly rural residents.Using the 2019 China Household Finance Survey(CHFS)data,the Ordered Probit model was used to empirically analyze the impact of mobile payments on the subjective quality of life of middle-aged and elderly rural residents.The research results indicate that the use of mobile payments by middle-aged and elderly residents significantly reduces their subjective quality of life.Meanwhile,this paper combines instrumental variable method and conditional mixed regression(CMP)method to overcome the endogeneity problem of mobile payments.The regression results show that the above conclusion still holds.Heterogeneity analysis shows that mobile payment has a stronger negative impact on the subjective quality of life of middle-aged and elderly residents living in the eastern,northeastern rural areas and male residents,and has a positive impact on the middle-aged and elderly rural residents in ethnic minority areas.

关 键 词：移动支付 主观生活质量 农村中老年居民 数字鸿沟 

分 类 号：F724[经济管理—产业经济]