發(fā)布時間：2018-04-24 03:02

  本文選題：住房負(fù)擔(dān)能力 + 房價收入比　； 參考：《華中師范大學(xué)》2013年碩士論文

【摘要】：住房作為一個特殊的消費品,不僅關(guān)系到千家萬戶的安居樂業(yè),還關(guān)系到整個國家的和諧繁榮。住房市場作為房地產(chǎn)市場的重要組成部分,不僅關(guān)系到房地產(chǎn)業(yè)的健康有序發(fā)展,還關(guān)系到整個國民經(jīng)濟的可持續(xù)運行。本文通過對我國城鎮(zhèn)居民的住房負(fù)擔(dān)能力進(jìn)行分析研究,探討住房的可負(fù)擔(dān)性,找出住房市場上存在的問題,為政府解決目前房價過高、居民住房負(fù)擔(dān)大的問題提供政策建議,具有十分深刻的學(xué)術(shù)意義和現(xiàn)實意義。 本文采用文獻(xiàn)綜述法、比較分析法、定量與定性相結(jié)合法、規(guī)范分析與實證分析相結(jié)合法等學(xué)術(shù)研究方法對我國城鎮(zhèn)居民的住房負(fù)擔(dān)能力作出了科學(xué)、客觀的分析。本文首先分析了我國城鎮(zhèn)住房的供求和價格,一方面有利于簡單了解住房市場的發(fā)展現(xiàn)狀,另一方面,有利于探討住房的供求因素與價格形成之間的關(guān)系。接著比較分析了衡量住房負(fù)擔(dān)能力的兩種主要方法：比率法和剩余收入法,闡述了兩者各自的優(yōu)缺點和互補性,決定兩種方法都采用增加分析的系統(tǒng)性和全面性。其中選取了比率法中的房價收入比法和住房負(fù)擔(dān)能力指數(shù)對我國35個主要大中城市的居民住房負(fù)擔(dān)能力做出了實證分析,分析表明我國城鎮(zhèn)居民住房負(fù)擔(dān)能力的整體水平很弱,居民住房負(fù)擔(dān)能力有明顯的區(qū)域差異；選取剩余收入法把我國城鎮(zhèn)居民按收入等級分成七類進(jìn)行分析,并且考慮了不同的住房標(biāo)準(zhǔn),分析表明不同收入等級的家庭之間住房負(fù)擔(dān)能力的差別較大,雖然除了最低收入家庭外,其余收入等級家庭的住房負(fù)擔(dān)能力情況越來越好,但是離理想水平還有一定的差距,且我國的住房消費結(jié)構(gòu)根據(jù)收入水平的高低表現(xiàn)出來一定的梯度性。最后,根據(jù)上文的分析結(jié)果,有針對性的提出了一些政策建議,包括增強住房供給、完善住房市場、規(guī)范金融制度和促進(jìn)理性消費四個方面。
[Abstract]:As a special consumer goods, housing is not only related to the peace and contentment of thousands of families, but also to the harmony and prosperity of the whole country. As an important part of the real estate market, the housing market is not only related to the healthy and orderly development of the real estate industry, but also related to the sustainable operation of the whole national economy. Through the analysis and study of the housing affordability of urban residents in China, this paper discusses the affordability of housing, finds out the problems existing in the housing market, and provides policy suggestions for the government to solve the problem that the housing price is too high and the housing burden is heavy for the residents. Has the very profound academic significance and the realistic significance. This paper uses the methods of literature review, comparative analysis, quantitative and qualitative analysis, normative analysis and empirical analysis to make a scientific and objective analysis of the housing affordability of urban residents in China. This paper first analyzes the supply and demand and price of housing in cities and towns in China. On the one hand, it is helpful to understand the present situation of housing market, on the other hand, it is helpful to discuss the relationship between supply and demand of housing and the formation of price. Then it compares and analyzes two main methods of measuring housing affordability: ratio method and surplus income method, expounds their respective advantages and disadvantages and complementarities, and decides that both methods adopt the systematic and comprehensive analysis of increase. The paper selects the ratio of house price to income and the housing affordability index in the ratio method to make an empirical analysis on the housing affordability of the residents in 35 major cities in China. The analysis shows that the overall level of housing affordability of urban residents in China is very weak. There are obvious regional differences in the housing affordability of the residents, and the residual income method is chosen to divide the urban residents into seven categories according to their income levels, and different housing standards are taken into account. The analysis shows that there are great differences in housing affordability among families with different income levels. Although the housing affordability of other income families is getting better and better, there is still a certain gap from the ideal level. And our country's housing consumption structure shows a certain gradient according to the income level. Finally, according to the above analysis results, some policy suggestions are put forward, including strengthening housing supply, perfecting housing market, standardizing financial system and promoting rational consumption.
【學(xué)位授予單位】：華中師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F299.23

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本文編號：1794825