What ever happened to asset-based welfare? Shifting approaches to housing wealth and welfare security
本文重新审视全球金融危机后住房、政策与产权权益的转变，提出资产型福利制度已发生变形，并以英国为例说明住房作为个人福利资产基础更加重要，但获取和分配条件扭曲，住房财富两极分化削弱了金融包容性和福利保障。
This paper contributes to current debates by reframing recent transformations in housing, policy and property equity in terms of a transfigured asset-based welfare regime. The analysis thereby advances earlier, more descriptive evaluations of asset-based welfare and challenges suggestions that its relevance has faded since the global financial crisis. We argue, drawing on the UK as a case with broad international salience, that the home has become even more central as an asset base of individual welfare since the global financial crisis, yet under distorted conditions of access and distribution, with housing wealth polarisation undermining financial inclusion and welfare security more broadly.