Housing Provident Funds Constraints,Family Type and Housing Characteristics Demand:Evidence from China
利用1995年和2002年城市调查数据，分析了住房公积金约束对不同家庭住房特征需求的影响，发现高社会地位家庭在住房结构需求上获得更多公积金支持，而低社会地位家庭在住房邻里需求上受益更多。
Housing provident fund constraint is becoming an important factor of separating housing affordability and consumer preference of different family.This paper empirically analyzes the effect of housing provident fund constraint on the housing characteristics demand of different family using the urban survey data of 1995 and 2002.The results show that there are evident income differences,unit type differences,occupation differences, professional title differences and industry differences.Among of them,the family that has a high social status can get more support of housing provident fund in increasing housing structure demand and the housing provident fund has a high contribution in increasing housing neighborhood demand of the low social status family.After introducing instrument variable,urban family has a high dependence on social insurance system in improving resident condition.These results suggest that the orientation of housing provident fund must be directed to social vulnerable groups and hold variant policies for different families.