安徽农业大学学报（社会科学版）2025，Vol.34Issue(2)：55-69,15.DOI:10.19747/j.cnki.1009-2463.2025.02.005
移动支付对农户消费负债的影响
The Impact of Mobile Payments on Rural Households'Consumption Debt:
摘要
Abstract
Based on the micro-data of rural households from the China Household Finance Survey(CHFS)in 2019,this paper empirically examines the impact of mobile payment on rural households'consumption debt,its mechanism and the heterogeneity among different rural households from the dual perspectives of debt willingness and debt capacity.The findings are as follows:(1)Mobile payment significantly enhances households'willingness and capacity to hold consumer debt,and this conclusion remains valid through further endogeneity analysis and robustness test.(2)Facilitating household consumption expenditure and easing liquidity constraints are two important channels for mobile payment to expand household consumption debt.(3)The expansion effect of mobile payment on the consumption debt of rural households has the characteristics of group heterogeneity,with disadvantaged groups(less-educated,elderly,or low-income households)experiencing weaker marginal impacts.Therefore,it is necessary to monitor the household debt risks caused by the popularization of mobile payment in rural areas,and prevent the lending risks in the rural financial markets.关键词
移动支付/农村家庭/消费负债/影响机制Key words
mobile payments/rural households/consumer debt/impact mechanism分类
管理科学引用本文复制引用
王阳,侯洪霞..移动支付对农户消费负债的影响[J].安徽农业大学学报（社会科学版）,2025,34(2):55-69,15.基金项目
四川省哲学社会科学基金项目"气候变化背景下'天府粮仓'农户生产率的测度与提升路径研究"(SCJJ24ND061) （SCJJ24ND061）
中国气象局软科学项目"气候变化对'天府粮仓'农户生产率的影响研究"(2024MSXM24) （2024MSXM24）
成都市哲学社会科学规划项目"'天府粮仓'农户的气候适应行为及其对粮食生产的影响研究"(2024BS025) （2024BS025）
