移动支付改变了家庭储蓄行为

Information Systems and Economics Pub Date : 2023-01-01 DOI:10.23977/infse.2023.040908

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摘要

中国家庭的高储蓄率是众所周知的。基于一个家庭调查的数据，本文的实证结果表明，移动支付显著降低了家庭储蓄率。缓解流动性约束、信贷约束和扩大社交网络是移动支付降低家庭储蓄率的主要方式。本文的研究结果为理解中国的高储蓄问题提供了一个新的视角。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Family Savings Behavior Change Due to Mobile Payments

The high savings rate of Chinese families is well-known. Based on data from a family survey, this paper's empirical results show that mobile payments significantly reduce the family savings rate. Easing liquidity constraints, credit constraints, and expanding social networks are the main ways that mobile payment reduces the family savings rate. The results of this paper provide a new perspective for understanding the high savings problem in China.

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Information Systems and Economics

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