城市家庭收入差距扩大的住房金融因素

A Research on the Relationship of Housing Finance and Income Gap of City Family

利用2005-2011年省级单位的数据实证检验了住房金融对城市家庭收入差距的影响.结果显示:住房金融发展的绝对规模、相对规模以及发展效率都对收入差距有显著的扩大作用.分析认为,住房金融可能通过"财富效应"、"收入效应"、"门槛效应"、"挤出效应"等机制作用于收入差距.我们建议,住房金融应朝着引导住房回归"居住"功能的方向进行改革和创新.

This paper analyzes and tests the relationship between housing finance and income gap of city family.And we find that they are significant correlation through wealth effect,income effect,threshold effect,and crowding-out effect.So we suggest that housing finance should make innovations along supplying dwelling.