金融视角下的住房公积金公平研究

发布时间：2018-05-26 10:36

本文选题：公积金 + 金融公平　；参考：《安徽工业大学》2017年硕士论文

【摘要】：住房公积金制度在帮助职工解决住房问题和改善居住环境中发挥了重要作用,促进了我国的城镇化建设,已发展成为我国住房保障体系中重要组成部分。但是在住房公积金政策的发展过程中,现行住房公积金政策所存在的问题也逐渐凸显,住房公积金运营中出现众多金融公平性缺失的问题。住房公积金应该侧重于解决中低收入职工的住房问题,但在实际运营中,利益偏向了中高收入群体,甚至出现“劫贫济富”的问题。关于住房公积金的金融公平性的话题成为讨论的焦点,甚至部分人提出应该取消住房公积金政策,引起了学术界和政府的关注。本文从金融公平性的概念出发,将金融公平性引入住房公积金政策的评价,从机会的公平、规则层面的公平、使用层面的公平三个视角阐述住房公积金政策的公平性。采用中国家庭金融调查数据,以是否缴存住房公积金和公积金缴存额为替代变量,运用Probit和Tobit模型,考察了教育程度、单位性质以及工资水平对住房公积金金融公平性的影响。为了研究住房公积金政策实际运营中的金融公平性,本文选择马鞍山市作为研究对象,分析住房公积金在资金归集、使用、增值收益等方面存在的金融公平性问题。通过研究发现,该市住房公积金的运营当中存在金融公平缺失的问题。为促进住房公积金政策的金融公平性,该市实行了一系列的举措和出台相关政策,本文对这些举措和政策进行了论述,分析了其必要性和产生的效果。本文的研究有助于政府更深层次的了解住房公积金运营的金融公平性问题,引发政策制定者对住房公积金问题的思考,使住房公积金政策向更公平的方向发展。
[Abstract]:The housing accumulation fund system has played an important role in helping workers to solve the housing problems and improving the living environment. It has promoted the construction of urbanization in China and has developed into an important part of the housing security system in our country. However, in the process of the development of housing provident fund policy, the problems existing in the current housing provident fund policy are also gradually highlighted, and there are many problems of financial fairness in the operation of housing provident fund. The housing accumulation fund should focus on solving the housing problem of the middle and low income workers, but in the actual operation, the benefits are biased towards the middle and high income groups, and even the problem of "robbing the poor and helping the rich" appears. The topic of financial fairness of housing provident fund has become the focus of discussion, and some people even proposed that the policy of housing accumulation fund should be abolished, which has attracted the attention of academia and government. Based on the concept of financial fairness, this paper introduces financial fairness into the evaluation of housing provident fund policy, and expounds the fairness of housing provident fund policy from the perspectives of opportunity fairness, rule fairness and use equity. Based on the data of Chinese household finance survey, this paper uses the Probit and Tobit models to investigate the effects of education level, unit nature and wage level on the financial equity of housing provident fund with the alternative variables of whether or not to deposit the housing provident fund and the contribution amount of the accumulation fund. In order to study the financial fairness in the actual operation of housing provident fund policy, this paper chooses Ma'anshan City as the research object, and analyzes the financial fairness problems of housing provident fund in the aspects of capital collection, use, value-added income and so on. Through the study, it is found that there is a lack of financial equity in the operation of the city's housing accumulation fund. In order to promote the financial fairness of the housing accumulation fund policy, the city has carried out a series of measures and issued related policies. This paper discusses these measures and policies, and analyzes their necessity and effect. The research in this paper is helpful for the government to understand the financial fairness of housing provident fund operation in a deeper level, to arouse the policy makers' thinking on housing accumulation fund, and to make the housing provident fund policy develop in a fairer direction.
【学位授予单位】：安徽工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F299.23;F832.479

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