本文選題：住房公積金　切入點(diǎn)：政策評價　出處：《統(tǒng)計(jì)與決策》2017年23期

【摘要】：改進(jìn)政策公平性,是住房公積金制度改革的重要目標(biāo)之一。文章以繳存職工所得收益為研究對象,基于某城市住房公積金微觀數(shù)據(jù),采用公共政策量化分析方法對住房公積金政策的公平性進(jìn)行了定量評價。"低存低貸"的收益分配機(jī)制是住房公積金政策特有的互助機(jī)制,較低存款利率導(dǎo)致了繳存職工的機(jī)會成本,較低貸款利率為貸款職工帶來貸款優(yōu)惠。"低存低貸"機(jī)制一方面能夠有效提升繳存職工的住房支付能力,另一方面可能引致公平性問題。
[Abstract]:Improving the fairness of policy is one of the important goals of the reform of the housing provident fund system. The equity of housing provident fund policy is evaluated quantitatively by using the quantitative analysis method of public policy. The income distribution mechanism of "low savings and low loan" is the special mutual aid mechanism of housing provident fund policy. Lower deposit interest rates lead to the opportunity cost of depositing workers, and lower loan rates bring loans to loan workers. On the one hand, the "low deposit and low loan" mechanism can effectively enhance the housing affordability of paid-in workers. On the other hand, it may lead to fairness problems.
【作者單位】： 清華大學(xué)建設(shè)管理系;清華大學(xué)恒隆房地產(chǎn)研究中心;
【分類號】：F299.23;F832.479
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本文編號：1671724