财经理论与实践2024，Vol.45Issue(1)：58-64,7.DOI:10.16339/j.cnki.hdxbcjb.2024.01.008
公积金制度对住房财富不平等的影响效应分析
Analysis of the Effect of Differences in Housing Provident Fund Use on Housing Wealth Inequality
摘要
Abstract
The housing provident fund system has a strong mediating effect on housing wealth accumulation,and its redistributive mechanism has a significant impact on the level of housing wealth.Combining the data from the China Household Finance Survey and introducing structural equation modeling and inequality regression decomposition,a systematic study of the impact paths finds that China's housing provident fund system has a stable positive moderating effect on the accumulation of housing wealth in high income and high social status groups,and contributes to housing wealth inequality at a higher level.According to the negative feedback loop mechanism of Inter-generational transfer payments and distributional differences of the provident fund,this inequality is far from reaching its maximum impact.In the future,through policy adjustment and structural optimization,there is still huge room for improvement in the fairness of the provident fund system and wealth distribution.关键词
住房公积金制度/住房财富不平等/再分配效应/基于回归的不平等分解Key words
housing fund system/housing wealth inequality/redistribution effect/regression-based inequality decomposition分类
管理科学引用本文复制引用
金双华,王静雅..公积金制度对住房财富不平等的影响效应分析[J].财经理论与实践,2024,45(1):58-64,7.基金项目
国家社会科学基金重点项目(17AJY025) （17AJY025）
