网络出版日期: 2019-07-22
Multidimensional Policy Effect Analysis of Housing Accumulation Fund System: Also on Promoting Its Balancing Function of both Housing Renting and Purchasing
住房公积金制度存在着多维政策效应。基于CHFS数据，将住房公积金制度细分为参与广度、参与深度和参与活跃度3个政策维度，根据家庭财务生命周期的一般规律，就其对我国城镇职工首套住房、多套住房以及住房财富3个方面的影响展开分析，同时，构建计量模型组并基于历史背景按时间序列和样本年龄特征进行分类回归，发现3个维度的政策效应存在差异：参与广度对城镇职工拥有自有住房有显著促进作用；参与活跃度对拥有自有住房和住房财富有显著正向影响；参与深度正向影响住房财富。进一步的探讨显示，公积金制度受益面过窄，削弱了制度的普适价值，特别是住房公积金制度用于支持租房的功能基本处于没有开发的状态。因此，应当调整住房公积金制度的功能定位，放开其租房支持功能，以促进我国"租购并举"的住房市场的均衡发展。
路锦非 , 肖雅勤 . 住房公积金制度的多维政策效应研究——兼论提升公积金“租购并举”的均衡住房功能[J]. 华东师范大学学报(哲学社会科学版), 2019 , 51(4) : 123 -132 . DOI: 10.16382/j.cnki.1000-5579.2019.04.013
In order to systematically analyze the policy effect of housing accumulation fund system,this paper subdivides it into three policy dimensions,namely,participation breadth,participation depth,and participation activity,based on the China Household Financial Survey(CHFS)data. We analyze the impact of the first housing,multiple housing,and housing wealth of urban employees in China according to the general life circle of family wealth. Using computation model and regression analysis based on the time series of historical background and sample age characteristics,this paper finds that there are differences in the policy effects of the three dimensions of China's housing accumulation fund system:participation breadth has obvious promotion effect on urban employees' ownership of housing;participation activity has obvious positive effect on housing ownership and housing wealth;participation depth has positive effect on housing wealth. Further date analysis also reveals that the benefiting surface of the housing accumulation fund system is too narrow,which reduces the general value of the system. Especially,the system has basically not been used to housing renting. This paper suggests that the system function orientation should be adjusted,opening the system's function on housing renting in order to construct balanced development of both housing renting and purchasing.
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