移动支付对家庭债务水平的影响研究

A Study on the Impact of Mobile Payment on Household Debt Levels

摘要: 基于2019年西南财经大学中国家庭金融调查数据，本文研究移动支付对家庭债务水平的影响、作用机制以及不同家庭群体间的差异性。结果显示：移动支付的使用显著提高家庭绝对债务水平和相对债务水平，进一步的内生性处理和稳健性检验证实结论的可靠性；促进家庭消费和信贷可得性是移动支付导致家庭债务水平提升的两个主要渠道；移动支付影响家庭债务水平在不同的家庭群体中呈现异质性。本文研究结论对我国移动支付业务发展进程中完善网络信贷平台风险监管机制、提升家庭适度消费和网络信贷风险防范意识具有重要意义。

Abstract: Based on the 2019 Southwest University of Finance and Economics China Household Finance Survey Data, this article studies the impact and mechanism of mobile payment on household debt levels, as well as the differences among different family groups. The results show that the use of mobile payment significantly increases the absolute and relative debt levels of households, and further endogeneity treatment and robustness testing confirm the reliability of the conclusion; Promoting household consumption and credit availability are the two main channels through which mobile payment leads to an increase in household debt levels; The impact of mobile payment on household debt levels exhibits heterogeneity across different family groups. The research conclusion of this article is of great significance for improving the risk supervision mechanism of online credit platforms, enhancing the awareness of moderate household consumption and network credit risk prevention in the development process of mobile payment business in China.