住房政策、住房自有与资产建设:东亚社会政策的一种新视角

Housing Policy,Home Ownership and Asset-Building:An Alternative Perspective on East Asian Social Policy

过去几十年东亚住房自有的增长,是由包括日益增长的财富、政府政策、置业文化,以及经济发展所带来的良好资本积累在内的一系列因素综合作用的结果。论文以香港和新加坡的经验作为案例,讨论住房政策、住房自有、社会政策、社会保障和风险之间的复杂关系。论文的中心论点是:考虑到在全球经济日益增长和不稳定的背景下住房自有的良性潜能和房地产市场的潜在风险,政府应依据"以资产为本"的社会政策原则,重新考虑住房政策的作用。这一论点的依据在于,住房政策可被视为社会与经济发展的核心,"以资产为本"的住房政策是抵消新自由主义住房政策负面影响的一种新的可能性。

The last few decades have witnessed the growth of home ownership in East Asia,largely the result of a combination of factors including rising affluence,government policies and favorable prospects of capital accumulations brought about by owner-occupation and booming economies. Using examples and experiences from Hong Kong,Singapore,this paper addresses the complex relationship among housing policy,home ownership,social policy,social security and risk. The central argument is:given the beneficial potentials of home ownership and the inherent risk of the housing market within the context of an increasingly volatile global economy,government should reconsider its role in housing and social policy along the line of an asset-based(AB)principle. The reason behind hinges on understanding housing and social policy from an alternative perspective which sees housing policy as central to socio-economic development. An AB housing policy forms part of a larger scheme to counteract the negative effect of a neo-liberal urban housing policy.