Неоднородность потребителей и использование безналичных платежей в Японии в 2007–2020 гг.: модели с латентными классами
DOI:
https://doi.org/10.22394/1993-7601-2024-75-33-53Ключевые слова:
безналичные платежи, ненаблюдаемая неоднородность, латентные классы, смесь распределений, модели упорядоченного выбораАннотация
В работе применяется логистическая модель упорядоченного выбора с латентными классами для анализа использования безналичных платежей в Японии в 2007–2020 гг. в предположении о ненаблюдаемой неоднородности потребителей. Исследование основано на данных Опроса о финансовом поведении домохозяйств Японии и касается покупок разной стоимости. Для каждой из категорий покупок удалось разделить покупателей на два класса: более часто и менее часто пользующихся безналичными платежами (в дальнейшем: «более частые пользователи» и «менее частые пользователи»). Принадлежность к классу более частых пользователей положительно связана с фактом использования мер по защите финансовых активов. Наблюдается различное влияние социально-демографических характеристик (пол, возраст, доход, факт занятости, образование, число членов домохозяйства), факта проживания в крупном городе и столичном регионе, а также 2019 и 2020 гг. на распространенность безналичных платежей в двух классах.Организации
Исследование осуществлено в рамках Программы фундаментальных исследований НИУ ВШЭ.Скачивания
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