住房公积金政策与缴存职工收益

发布时间：2018-04-11 03:40

本文选题：住房公积金 + 职工收益　；参考：《统计研究》2017年05期

【摘要】：本文基于某典型城市微观数据,定量研究了公积金存贷款政策对缴存职工从公积金系统中获得的"互助收益"水平的影响规律。研究结果显示,公积金贷款利率对缴存职工提取公积金购房概率、申请公积金贷款概率和公积金贷款金额均存在显著的负向影响,公积金贷款限额则对缴存职工提取公积金购房概率和公积金贷款金额存在显著的正向影响,这些因素又进一步影响缴存职工从公积金系统中获得的互助收益水平。研究结果同时显示,现行公积金政策可能导致对缴存职工住房需求的支持力度不足和公平性不足两方面的问题。基于前述规律的政策模拟发现,通过不同的政策组合调整,有可能实现提高职工收益、刺激住房需求或改进公平性等特定政策目标。
[Abstract]:Based on the microcosmic data of a typical city, this paper quantitatively studies the influence of the deposit and loan policy on the "mutual benefit" from the provident fund system.The results show that the interest rate of the provident fund loan has a significant negative effect on the probability of withdrawal of the provident fund, the probability of applying for the loan of the accumulation fund and the amount of the loan of the provident fund.On the other hand, the loan limit of provident fund has a significant positive effect on the probability of withdrawal of provident fund and the loan amount of provident fund, and these factors further influence the level of mutual benefit obtained by the paid worker from the system of provident fund.The results also show that the current provident fund policy may lead to insufficient support for the housing needs of the staff and workers and insufficient fairness.The policy simulation based on the above laws shows that through the adjustment of different policy combinations, it is possible to achieve specific policy objectives such as increasing employee income, stimulating housing demand or improving equity.
【作者单位】：清华大学建设管理系;清华大学恒隆房地产研究中心;
【基金】：国家自然科学基金项目“居住用地价格波动的轨迹度量、规律研究和影响分析”(71373006) 重大研究计划培育项目“基于多维度大数据的住房抵押贷款风险管理决策支持研究”(91546113)资助
【分类号】：C812

【参考文献】