住房公积金制度、房价与住房福利

被引：98

作者：

顾澄龙

周应恒

严斌剑

机构：

[1] 南京农业大学经济管理学院

来源：

经济学(季刊) | 2016年 / 15卷 / 01期

基金：

国家自然科学基金重点项目;

关键词：

住房公积金制度; 房价; 住房福利;

D O I：

10.13821/j.cnki.ceq.2015.04.05

中图分类号：

F299.23 [城市经济管理]; F832.479 [个人信贷];

学科分类号：

120405 ;

摘要：

本文利用2005—2011年中国55个大中城市的面板数据实证分析了住房公积金制度对房价的影响,进而系统地分析了公积金制度的住房福利效应。实证结果表明住房公积金制度会显著促进房价上涨,当前如果取消住房公积金制度的话,将会使房价下降13.5%。考虑到这样一个预期外的效应后,住房公积金制度对加入这一制度的城镇居民购房的贡献度仍有25%,而对于未加入住房公积金制度的城镇居民,这一制度会使他们在购房时付出13.5%的额外成本。

引用

页码：109 / 124

页数：16

共 27 条

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