住房公积金“互助”还是“攫取”?——基于中国调查数据的实证研究

Does Housing Provident Fund “Mutually Assist” or “Rob”:Based on China's Survey Data

该文从我国住房公积金制度的发展现状入手,结合近年来房地产去库存化的政策实际,基于理论模型分析,运用微观调研数据拟合Probit回归模型试图寻找我国住房公积金制度"劫贫济富"的微观证据。研究结果表明:我国现行的住房公积金制度存在着"嫌贫爱富"和"嫌农爱城"的制度缺陷,当前楼市的"救市"政策放大了这一效应,为此需要以建立公开规范的住房公积金制度为目标,从明确公积金属性定位、注重向中低收入群体倾斜、更加强调公积金金融属性以及适当扩大其覆盖范围等方面着手对住房公积金制度进行改革,使其在促进职工住房消费、改善居民居住条件等方面发挥更加重要的作用。

This paper uses the micro survey data and Probit regression model to test on housing provident fund.The results show the defects of'despising the poor and curry favour with the rich'and'despising the rural and curry favour with the urban'.What’s more,the current rescue policies has amplified this effect.The paper suggests to build public housing provident fund system as the goal,reform from the provident fund property clearly positioning,and pay attention to the low-income groups and enlarge the coverage of housing provident fund properly.