Wei Yang Puneet Vatsa 马旺林 郑宏运 ：使用移动支付真的促进了网购支出吗？一个考虑性别差异的分析

Wei Yang, Puneet Vatsa, Wanglin Ma, Hongyun Zheng*, Does mobile payment adoption really increase online shopping expenditure in China: A gender-differential analysis, Economic Analysis and Policy, 2022. forthcoming

原文链接：

https://doi.org/10.1016/j.eap.2022.11.001

摘要：移动支付在中国无处不在，促进了每天无数的线下和线上交易。然而，我们对使用移动支付的消费效应知之甚少。基于此，本研究致力于研究移动支付使用对家庭网购支出的影响。本文基于性别差异视角，利用基于工具变量的Tobit模型对2017年中国综合社会调查数据（CGSS）进行分析。研究结果表明，使用移动支付的消费效应不是 “性别中立”的：移动支付使用显著增加了女性的家庭网购支出，而对男性的网购支出没有影响。因此，针对性别的促销策略和举措可能有助于增加移动支付的使用、促进网购。移动支付对家庭网购的正向消费效应表明了移动支付与电商平台之间存在协同效应。政策制定者应该考虑制定规则，鼓励这些平台的整合，同时促进行业内的创新和竞争。

Abstract: Mobile payments are ubiquitous in China and facilitate myriads of offline and online transactions daily. However, little is known about the spending effects of mobile payment adoption. Accordingly, this study is devoted to examining the effects of mobile payment adoption on household online shopping expenditure. Focusing on gender differentials, we analyze the 2017 Chinese General Social Survey data using the instrumental-variable-based Tobit model. Our results show that mobile payment adoption significantly increases household online shopping expenditure for females, while it does not affect online shopping expenditure for males—the spending effects of mobile payment adoption are not gender-neutral. Thus, gender-specific promotional strategies and initiatives may help increase mobile payment adoption and boost online shopping. The positive spending effect of mobile payment adoption on households’ online shopping points to synergies between mobile payment and e-commerce platforms. Policymakers should consider regulations that encourage the integration of these platforms and, at the same time, foster innovation and competition in the industry.

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