移动支付、家庭创业与家庭财富——基于CHFS的实证数据  

Mobile Payments,Home Entrepreneurship and Family Wealth:Empirical Data Based on CHFS

作　　者：汪爱嘉 程安云 AIJIA WANG;ANYUN CHENG(School of International Economics,Anhui International Studies University)

机构地区：[1]安徽外国语学院国际经济学院

出　　处：《工信财经科技》2024年第5期136-146,共11页Review of Financial & Technological Economics

基　　金：安徽外国语学院大学生科研创新基金项目“共同富裕时代背景下新型金融行为对家庭财富增长的影响机制与效应评估研究”(项目编号:Awdc2024028)。

摘　　要：本文依据中国家庭金融调查中心2017年的微观数据,基于流动性约束理论,构建一个将家庭创业作为移动支付对家庭财富影响路径的中介模型。研究发现:移动支付对提升家庭财富水平有显著促进作用,进一步分析发现家庭创业在这一过程中存在着部分中介效应;异质性分析结果显示,移动支付对农村家庭、创业家庭和中低收入家庭的家庭财富有更强的促进作用。采用倾向得分匹配法(PSM)来进行稳健性检验,结论依然成立。Based on the micro data of CHFS2017 and the theory of liquidity constraints,a mediation model is constructed to consider household entrepreneurship as a pathway for the impact of mobile payments on household wealth.Research has found that mobile payments have a significant promoting effect on improving household wealth levels,and further analysis reveals that there is a partial mediating effect of family entrepreneurship in this process;the heterogeneity analysis results show that mobile payments have a stronger promoting effect on the household wealth of rural households,entrepreneurial households,and low-and middle-income households.The propensity score matching(PSM)method was used for robustness test,and the conclusion still holds true.

关 键 词：移动支付 家庭创业 家庭财富 

分 类 号：F832.2[经济管理—金融学] F279.2