摘要
分析居民住房支付能力的影响因素是制定合适政策、持续释放中低收入阶层住房需求、促进经济增长的前提,而中国区域间的显著差异为此提供了极好的数据平台。在两步骤分析框架下的实证检验表明:中国各省级区域的住房支付能力存在显著且持续扩大的差异;在具有显著影响的因素中,住房价格、贷款利率水平、家庭非住房消费比例与居民住房支付能力负相关,家庭收入、家庭储蓄、住房公积金缴存额与住房支付能力呈正相关。
Determinants of Housing Affordability Based on Regional Differences in ChinaIt is important to understand what factors are affecting housing affordability if we want to keep rapid economic growth based on expansion of demand of medium and low - income class. To achieve this object, regional differences in China provide a good dataset. Using a two -step method, we prove that there is an obvious and continuously expan- ding gap of housing affordability between regions in China. Housing prices, mortgage rate and non - housing expenditure are negatively correlated with housing affordability. Income, saving and public housing accumula- tion funds are positively correlated with housing affordability.
出处
《哈尔滨工业大学学报（社会科学版）》
2014年第1期117-121,共5页
Journal of Harbin Institute of Technology(Social Sciences Edition)
基金
国家自然科学基金项目"S-C-P范式下中国住房市场波动的冲击-传导机制分析"(71103051)
教育部人文社会科学基金项目"基于D-S垄断竞争模型的中国住房市场波动研究"(10YJC790084)
关键词
住房支付能力
区域差异
住房可支付性指数
housing affordability
regional differences
housing affordability index
