移动支付与居民幸福感——基于消费中介视角
Mobile Payment and Residents'Happiness—Based on the Perspective of Consumption Intermediary
闫双娥 1赵俊1
作者信息
- 1. 安徽外国语学院国际经济学院,安徽 合肥 231201
- 折叠
摘要
基于中国家庭金融调查数据,运用Oprobit模型考察移动支付对居民幸福感的影响与作用机制.研究发现,移动支付通过促进居民消费,对居民幸福感产生正向影响.异质性分析表明,移动支付对西部地区、城镇、文化程度较高和高收入的家庭幸福感效应更强.因此,为进一步提升居民幸福感,要持续推动移动支付的使用,引导居民适当消费,提高居民的数字技能、金融素养和安全防范意识.
Abstract
Based on the data of the China Household Finance Survey,the Oprobit model is used to in-vestigate the impact and mechanism of mobile payment on residents'happiness.The study finds that mobile payment has a positive impact on residents'happiness by promoting their consumption.Heterogeneity analy-sis shows that mobile payment has a stronger effect on the happiness of families in western regions,urban areas,with higher educational levels and high incomes.Therefore,in order to further enhance residents'happiness,it is necessary to continuously promote the use of mobile payment,guide residents to consume appropriately,and improve residents'digital skills,financial literacy and safety awareness.
关键词
移动支付/居民幸福感/居民消费/Oprobit模型/中介效应Key words
mobile payment/residents'happiness/residents'consumption/Oprobit model/interme-diary effect引用本文复制引用
出版年
2024
NETL
NSTL
万方数据