【摘要】 我国移动支付的迅速发展给经济社会带来了巨大的变革，也对家庭金融资产配置产生了深刻影响。以2017年中国家庭金融调查（CHFS）数据为样本，运用Tobit模型实证检验移动支付对家庭金融资产配置的效应。研究发现：家庭使用移动支付对风险资产投资有负向影响，对无风险资产投资具有积极作用；移动支付主要通过改善储蓄账户数目和对移动支付手段满意度两个渠道影响家庭金融资产配置；移动支付对家庭金融资产配置的影响在城乡、不同年龄和不同受教育程度间呈现显著差异。因此，政府应发挥引领作用，金融机构要积极作为，协同推动移动支付的健康发展；加强金融教育，提高居民金融素养；强化金融监管，规范网络金融信息传播。更多还原

【Abstract】 The rapid development of mobile payme nt in China has a far-reaching impact on the allocation of household financial assets. This paper empirically tests the impact of mobile payment on the household financial asset allocation and its mechanism using the data of China Household Finance Survey in 2017. It is found that the use of mobile payment by households has a negative impact on venture capital investment and a positive effect on risk-free asset investment. Furthermore,the mechanism analysis shows that mobile payment affects the household financial asset allocation through the number of savings accounts and the satisfaction with mobile payment means. In addition, the heterogeneity analysis results show that there are significant differences in the impact of mobile payment on the household financial asset allocation. The research results show that it is urgent to break the "digital divide" between backward areas and vulnerable groups. The government should play a leading role in promoting the positive actions of financial institutions and promoting the development of mobile payment; Strengthen financial education and improve residents’ financial literacy; Pay attention to financial supervision and standardize the transmission of online financial information, so as to improve the efficiency of family financial asset allocation and increase family wealth.更多还原