银行卡对我国城镇居民消费的促进作用

发布时间：2018-01-28 18:16

本文关键词： 银行卡消费信贷信用卡应偿余额边际消费倾向　出处：《南京财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：欧洲主权债务危机影响全球经济复苏。在外需不振、政府大规模投资难以持续长久的情况下，启动国内市场、扩大消费对于推动我国经济持续高速增长就显得颇为重要而迫切。在此背景下，政府出台一些促进经济增长的宏观政策。在《关于信贷结构调整的意见书》中，，中国银行监督委员会汇同中国人民银行明确提出“鼓励发展消费信贷，做好消费信贷市场”。由此能够得出，为了改变增长结构，加速经济转型，消费信贷能够有效地拉动消费、促进经济增长。人们的生活随着科学信息技术的均产生了日新月异的变化，商业银行在信息技术的带动下获得快速发展。从原始社会的石质钱币演变到现代电子支付时代的银行卡，已经给人类社会所使用的货币带来质的飞跃。银行卡作为电子货币，不仅改变了居民的消费支付方式，同时也改变了人们的消费支付习惯。从居民的支付方式和信用卡的消费信贷这两个方面，银行卡提升消费者的消费倾向，从而达到拉动经济增长的目的。银行卡产业已有的文献均得到了银行卡能够对消费产生促进作用。本文主要是从以下几个方面来论述，首先从中国人民银行报告中概述银行卡消费信贷市场规模等，从已有文献资料中分析城镇居民消费行为特征，20世纪90年代后，我国城镇居民的消费行为发生变异，表现为流动性约束和在不确定性下的消费行为特征。综合已有文献中影响居民行为的其他因素，再根据以下两个理论：（1）信用卡消费信贷有效促进消费；（2）银行卡的支付方式影响居民的消费行为，构建一个具有可变边际消费倾向包含信用卡消费信贷的消费函数模型。选取2002到2011年季度数据，使用计量经济学的回归分析，实证了信用卡应偿余额对城镇居民消费的促进作用以及银行卡支付方式对城镇居民消费行为的影响。得出的结论是上一期和本期的新增信用卡应偿余额对本期消费的边际贡献分别是0.89和1.13，银行卡支付对城镇居民边际消费倾向的影响系数为0.064676。最后，通过借鉴国外（以美国、欧盟、韩国为例）发展银行卡产业的方法与经验，总结发展我国银行卡产业的政策建议。
[Abstract]:The sovereign debt crisis in Europe has affected the global economic recovery. In the face of weak external demand and unsustainable large-scale government investment, the domestic market has been activated. It is very important and urgent to expand consumption in order to promote the sustained and rapid economic growth in China. Under this background, the government has issued some macro-policies to promote economic growth. The Bank of China Supervisory Commission and the people's Bank of China explicitly proposed "encouraging the development of consumer credit and doing a good job in the consumer credit market." from this, it can be concluded that in order to change the growth structure and speed up economic transformation. Consumer credit can effectively stimulate consumption and promote economic growth. With the development of science and information technology, people's life has changed with each passing day. Driven by information technology, commercial banks have developed rapidly from stone coins in primitive society to bank cards in the era of modern electronic payment. Bank card, as an electronic currency, has not only changed the consumption and payment methods of residents. At the same time, it has also changed people's consumption and payment habits. From the two aspects of residents' payment mode and credit card's consumption credit, bank card promotes consumer's consumption tendency, thus achieves the purpose of stimulating economic growth. Bank card industry has been obtained in the literature can promote the consumption of bank cards. This paper mainly from the following aspects to discuss. Firstly, the scale of consumer credit market of bank card is summarized from the report of the people's Bank of China, and the characteristics of consumer behavior of urban residents are analyzed from the existing literature. After 90s of the 20th century. The consumption behavior of urban residents in China varies, which is manifested by liquidity constraints and the characteristics of consumption behavior under uncertainty, and synthesizes the other factors that affect the behavior of residents in the existing literature. Then according to the following two theories: 1) Credit card consumer credit effectively promotes consumption; Second, the payment mode of bank card affects the consumption behavior of residents, and constructs a consumption function model with variable marginal consumption tendency including credit card consumption credit. Select the quarterly data from 2002 to 2011. Use econometric regression analysis. The paper demonstrates the promoting effect of credit card payable balance on urban residents' consumption and the effect of bank card payment mode on urban residents' consumption behavior. The conclusion is that the new credit card payable balance in the previous period and the current period has a positive effect on the consumption behavior of urban residents. The marginal contribution of fees is 0.89 and 1.13 respectively. The influence coefficient of bank card payment on the marginal propensity of consumption of urban residents is 0.064676.Finally, the methods and experiences of developing bank card industry in foreign countries (such as USA, EU, Korea) are used for reference. Summary of the development of China's banking card industry policy recommendations.
【学位授予单位】：南京财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832;F126.1

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