中国住房公积金制度评估与反思:基于住房支付能力视角

发布时间：2018-06-10 17:06

本文选题：住房公积金 + 中央公积金　；参考：《兰州学刊》2017年10期

【摘要】：以住房支付能力为视角,考察住房公积金的制度结构与政策参量,并对制度进行理性评估与反思。研究选取五个典型城市社平工资缴存家庭为计算对象,分析数据显示,相对较低的缴存比例、较低的住房公积金贷款额度、相对较高的贷款利率,使得即使受到制度覆盖,家庭仍然存在较差的支付能力,政策逆向再分配效果依旧显著。政策反思和评估认为,中国住房公积金制度学习新加坡经验,是一种不完全的政策转移。中国住房市场结构决定了新加坡中央公积金制度强支付能力的不可复制性,同时在政策转移过程中没有充分考量两个国家不同的经济、社会、政治等制度背景与理念。提出通过限高助低提高中低收入家庭住房公积金的可及性、建立政策性住房金融机构等改革建议。
[Abstract]:From the perspective of housing affordability, this paper investigates the institutional structure and policy parameters of housing provident fund, and makes rational evaluation and reflection on the system. In this study, five typical urban families with equal wages were selected as the calculating objects. The data show that the relatively low paid-in ratio, the lower housing accumulation fund loan amount, the relatively high loan interest rate, make them even covered by the system. Families still have poor ability to pay, and the effect of policy reverse redistribution is still significant. The policy reflection and evaluation believe that the Chinese housing accumulation fund system is an incomplete policy transfer to learn from Singapore's experience. The structure of China's housing market determines the non-replicable nature of Singapore's central provident fund system, and fails to fully consider the different economic, social and political backgrounds and concepts of the two countries in the process of policy transfer. This paper puts forward some reform suggestions such as limiting high aid and raising the accessibility of housing accumulation fund for low- and middle-income families and establishing policy-oriented housing financial institutions.
【作者单位】：北京工业大学人文社会科学学院社会学系;首都社会建设与社会管理协同创新中心;
【基金】：“北京工业大学人文社科基金项目(项目编号:014000514316010)”资助
【分类号】：F299.23;F832.479

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