房价收入比的起源、算法与应用:基于文献的讨论

The Origin,Calculation and Application of Housing Price to Income Ratio:An Analysis Based on Literature

房价收入比是反映住房支付能力和住房市场整体运行状况的重要指标。本文考察了房价收入比的学术渊源以及世界银行、联合国人居署等国际机构对该指标的推广和应用,并从房价收入比指标设计者、推广者的研究入手,讨论该指标的长处与局限性,辨析其计算方法和具体的数据采集方法。在比较了房价收入比的理想算法和次优算法之后,兼顾数据可得性和计算结果准确性,本文提出了直接采用平均数计算中国房价收入比的算法。

Housing Price to Income Ratio(PIR) is a key indicator for assessing housing affordability and the performance of the entire housing market.This paper investigates the academic origin of PIR,and based on a literature review on the writings of PIR's inventor,and discusses the advantage and shortcomings of the affordability indicator.It also analyzes the indicator's calculating method and its data sources.Finally,the author puts forward a method for calculating PIR in China,with available data and acceptable accuracy.