住房公积金政策的公平性评价与分析

发布时间：2018-03-27 13:33

  本文选题：住房公积金　切入点：政策评价　出处：《统计与决策》2017年23期

【摘要】：改进政策公平性,是住房公积金制度改革的重要目标之一。文章以缴存职工所得收益为研究对象,基于某城市住房公积金微观数据,采用公共政策量化分析方法对住房公积金政策的公平性进行了定量评价。"低存低贷"的收益分配机制是住房公积金政策特有的互助机制,较低存款利率导致了缴存职工的机会成本,较低贷款利率为贷款职工带来贷款优惠。"低存低贷"机制一方面能够有效提升缴存职工的住房支付能力,另一方面可能引致公平性问题。
[Abstract]:Improving the fairness of policy is one of the important goals of the reform of the housing provident fund system. The equity of housing provident fund policy is evaluated quantitatively by using the quantitative analysis method of public policy. The income distribution mechanism of "low savings and low loan" is the special mutual aid mechanism of housing provident fund policy. Lower deposit interest rates lead to the opportunity cost of depositing workers, and lower loan rates bring loans to loan workers. On the one hand, the "low deposit and low loan" mechanism can effectively enhance the housing affordability of paid-in workers. On the other hand, it may lead to fairness problems.
【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;
【分类号】：F299.23;F832.479
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本文编号：1671724