摘要
房价收入比常被用来分析居民住房购买力.首先分析这一指标,并从城镇居民的消费结构与购房融资方式出发建立了住房购买力模型,以2004年北京市的相关数据为例,对高、较高、中、较低、低收入家庭的住房购买力作了实证分析,并由家庭消费支出矩阵得出了各收入家庭可支付的住房价格及可支付时的房价收入比.实证结果显示中低收入家庭在期房市场上购买力不足,最后对此提出了相应的建议.
The housing-price-to-income ratio is a widely accepted indicator for housing purchasing power analysis in western countries, and there are some researchers who study the housing purchasing power with it in China. However, systematic studies about this problem are not rich. In this paper, the indicator is reviewed first and models are proposed to analyze the affordable housing-price-to-income ratio based on the expenditure structure matrix of households. What' s more, the affordable house prices of different income classes are derived. As a demonstration, housing purchasing power of Beijing in 2004 is analyzed from these two aspects. In the demonstration, the affordable housing price and the affordable-price-to-income ratio of each income class are computed based on the family cost matrix. The results show that lower-middle income class cannot afford forward delivery housing, and some corresponding suggestions are proposed in the conclusion.
出处
《管理科学学报》
CSSCI
北大核心
2006年第5期8-17,43,共11页
Journal of Management Sciences in China
基金
国家自然科学基金重点资助项目(70531040)
关键词
房价收入比
抵押贷款
中低收入家庭
住房购买力
price-to-income ratio
mortgage loan
middle-low income families
housing purchasing power