| 住房公积金是否提升了居民幸福感——基于中国家庭金融调查的实证研究 |
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| 引用本文：任娟娟.住房公积金是否提升了居民幸福感——基于中国家庭金融调查的实证研究[J].财经理论与实践,2022,(5):123-130 |
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| 中文摘要:依据2013-2017年CHFS三期面板数据，利用面板Probit、倾向得分匹配等模型，考量住房公积金制度对居民幸福感的影响及作用机理。结果表明：缴存公积金对居民幸福感正向影响显著。异质性分析显示：住房公积金制度对居民幸福感的提升作用存在住房产权与住房贷款、收入水平以及工作单位属性的差异，对有房有贷和无房群体、中等收入以及在政府部门、事业单位或国有企业工作群体的提升作用更显著。进一步研究发现，住房公积金制度通过提高居民自有产权住房拥有率和未来购房可能性影响幸福感。鉴于此，应扩大公积金覆盖范围，降低制度对于首套住房的贷款利率，切实保障住有所居。 |
| 中文关键词:住房公积金 幸福感 住房消费 |
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| Does Housing Provident Fund Improve Residents’ Happiness-An Empirical Study Based on China’s Household Finance Surve |
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| Abstract:Based on the panel data of the third phase of CHFS from 2013 to 2017, the panel probit, propensity score matching and other models are used to examine the impact and mechanism of the housing provident fund system on residents’ well-being. The results show that the contribution of provident fund has a significant positive impact on residents’ well-being. Heterogeneity analysis shows that there are differences between housing property rights and housing loans, income levels and work unit attributes in the promotion of residents’ well-being by the housing provident fund system, and it is more significant for the groups with and without housing, middle-income and working groups in government departments, institutions or state-owned enterprises. Further research found that the system affects happiness by improving the ownership rate of residents’ own property and the possibility of future purchase. In view of this, it is necessary to expand the coverage of the provident fund, reduce the loan interest rate of the system for the first housing, and effectively guarantee housing. |
| keywords:housing provident fund happiness housing consumption |
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