基于房价收入比的阳泉市居民住房购买力研究

发布时间：2018-08-29 14:54

【摘要】：随着我国经济社会的发展，城镇居民家庭收入水平逐渐提高，同时与居民生活息息相关的住房价格问题越来越受到社会各方面的重视。虽然我国住房分配货币化的实施给房地产市场带来前所未有的发展契机，但也促使住房价格一路上涨，加大了居民购房负担。因此，，在当前的住房价格下，居民是否具有住房购买力已经成为社会各方面关注的焦点问题。本文通过大量的的分析国内外研究资料，以国际公认惯例为参考，并结合我国实际国情，运用房价收入比这一指标来衡量阳泉市居民的住房购买力。内容主要分四部分。第一部分，概述了房价收入比的有关理论。首先通过文献综述对国内外对房价收入比的典型研究内容进行了介绍；其次阐述了房价收入比的基本理论，包括其定义的解析、计算方法的选取、特征及影响因素；最后以个人住房贷款与偿付能力为切入点，运用购房模型得出房价收入比的合理范围。第二部分，对阳泉市住房市场状况进行了详细分析。先是研究了阳泉市的土地发展状况，然后对商品住宅投资、建设和交易状况进行了分年份、分区县的详细研究。第三部分，是对阳泉市居民住房购买力的研究。首先从家庭人口、储蓄、收入和住房消费等方面对居民收入状况进行了整体研究；其次研究了阳泉市新建商品住宅、存量商品住宅及经济适用住房的价格变化情况；最后通过大量数据计算分析各收入阶层家庭对新建商品住宅、存量商品住宅及经济适用住房的房价收入比，分析了各收入阶层家庭对各类房的购买力情况，提出了当前新建商品住房具有较高的房价收入比，多数家庭都不具备有效的购买力；中等收入及以上的阶层对存量商品房具备整体购买力；中低收入及以下收入阶层对经济适用房和部分的小家庭型住房具备阶梯状分布购买力的观点。第四部分，针对阳泉市住房市场和居民收入现状提出了相应的对策建议，从住房供给、收入分配、住房建设和居民消费四个方面分别进行了阐述。
[Abstract]:With the development of our country's economy and society, the income level of the urban residents is increasing gradually. At the same time, the problem of housing price, which is closely related to the residents' life, has been paid more and more attention to by all aspects of the society. Although the implementation of the monetization of housing distribution in China has brought unprecedented opportunities for the development of the real estate market, it has also promoted the housing prices to rise all the way and increased the burden of housing purchase by residents. Therefore, under the current housing price, whether the residents have the purchasing power of housing has become the focus of all aspects of the society. By analyzing a large number of domestic and foreign research materials, taking the internationally accepted practice as the reference, and combining the actual situation of our country, this paper uses the index of house price to income ratio to measure the housing purchasing power of the residents in Yangquan city. The content is divided into four parts. The first part summarizes the theory of house price to income ratio. Firstly, this paper introduces the typical research contents of house price income ratio at home and abroad through literature review, and then expounds the basic theory of house price income ratio, including its definition analysis, calculation method selection, characteristics and influencing factors. Finally, the reasonable range of the ratio of house price to income is obtained by means of the housing purchase model, taking the personal housing loan and solvency as the starting point. The second part, the Yangquan housing market situation is analyzed in detail. First, the paper studies the land development of Yangquan city, and then studies the investment, construction and transaction of commercial housing in different years. The third part is the study of the purchasing power of housing in Yangquan. Firstly, the paper studies the income of residents from the aspects of household population, savings, income and housing consumption, and then studies the price changes of new commercial housing, stock housing and affordable housing in Yangquan. Finally, through a large amount of data, the paper analyzes the ratio of house price to income of each income class family to the new commodity house, the stock commodity house and the economical and applicable housing, and analyzes the purchasing power of each income class family to the various kinds of housing. It is pointed out that the new commodity housing has a high housing price to income ratio, most households do not have effective purchasing power, the middle income class and above have the overall purchasing power to the stock commodity housing; Middle-and low-income groups and part of small-family housing comfortable housing with ladder distribution of purchasing power. In the fourth part, the author puts forward the corresponding countermeasures and suggestions on the housing market and the current situation of residents' income in Yangquan City, and expounds the four aspects of housing supply, income distribution, housing construction and residents' consumption respectively.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F299.23

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