基于CLHA模型的住房支付能力研究

发布时间：2018-06-15 05:19

本文选题：住房消费 + 住房支付能力　；参考：《山东建筑大学学报》2016年05期

【摘要】：准确测算家庭住房支付能力,保持家庭住房消费的可持续性,对政府宏观调控和房地产企业开发决策都具有重要的参考价值。研究基于住房消费的持续性特征,针对使用当期收入测算住房支付能力的偏误问题,通过综合考虑家庭当期住房消费能力和长期住房消费能力,建立了CLHA(Current-Long Housing Affordability,短期—长期住房支付能力)模型,主要探析了家庭住房支付能力的组合分类模式,并且以我国城镇各收入阶层为例进行了实证研究。研究结果表明:使用当期收入测算家庭住房支付能力确实会造成偏误;我国最低收入阶层家庭住房支付能力不足,中等偏下及以上收入阶层家庭在一定程度上具有完全住房支付能力;部分家庭的当期收入与其长期住房消费能力之间存在矛盾;我国住房消费已经形成了一定的梯度结构。
[Abstract]:It is of great reference value for government macro-control and real estate enterprise development decision to calculate accurately the family housing payment ability and maintain the sustainability of household housing consumption. Based on the persistent characteristics of housing consumption and the bias of using current income to measure housing affordability, this paper considers the housing consumption ability of households in the current period and the long-term housing consumption ability. In this paper, we establish the CLHAN Current-Long Housing Affordability (short-long term housing affordability) model, mainly analyze the combination classification model of the family housing affordability, and take the urban income strata of our country as an example to carry on the empirical research. The results show that: the use of current income to calculate the capacity to pay for household housing will indeed cause bias; China's lowest income groups of households housing payment capacity is insufficient, Middle and lower income families have the ability to pay for housing to a certain extent; some families have contradictions between their current income and their long-term housing consumption capacity; China's housing consumption has formed a certain gradient structure.
【作者单位】：山东建筑大学管理工程学院;
【基金】：国家自然科学基金项目(71403150) 山东省高校人文社会科学研究计划资助项目(J13WG02)
【分类号】：F299.23

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