基于“剩余收入法”的北京市居民住房可支付能力分析  

Evaluation of the Housing Affordability in Beijing with the Residual Income Approach

作　　者：杨赞[1] 易成栋[2] 张慧 

机构地区：[1]清华大学房地产研究所,北京100084 [2]中央财经大学城市与房地产管理系,北京100081 [3]中国邮政储蓄银行总行,北京100032

出　　处：《城市发展研究》2010年第10期36-40,共5页Urban Development Studies

基　　金：国家社会科学基金重大课题"加快保障性安居工程建设研究"(09&ZD042);教育部人文社会科学研究一般项目(09YJC790276);中央财经大学211三期重点资助项目

摘　　要：长期以来,居民的住房可支付能力一直是我国住房政策所关注的主要问题。但是,住房可支付能力的测度一直是理论和实证的难点,特别是家庭收入差异以及住房质量差距的加剧又增加了住房可支付能力测定的难度。应用新的"剩余收入法"通过一个家庭购买一个"基准住房"总价格,并根据信贷政策测算了基本住房所需的融资成本,再测算基本的非住房消费,得到最低预算收入,并和真实收入比较来评估北京市居民的住房可支付能力。还比较了已购房改公房家庭和首次购房家庭的住房可支付能力。北京不同收入群体住房可支付能力存在明显的差异,中低收入家庭存在购买能力不足,拥有房改公房能提高家庭的住房可支付能力,经济适用房和限价商品房对提高中低收入家庭住房可支付能力的作用很小。提出发展共有产权经济适用房来满足中低收入人群的需要。Facilitating affordable housing has received considerable attention by the Chinese government. However,developing better measurements of affordability due to the income disparity and housing inequality in China is still challenged. In this paper,a new measure called＂residual income＂is applied for Beijing household from 2004 to 2008. With this method,a minimum required budget for a family is calculated for the basic necessities and a＂standard＂unit. Financial loans and housing wealth are also considered. It reveals that there are great difference of housing affordability among different income levels,middle and low income families can not afford a standard unit,while ownership of previously public housing can improve housing affordability of all kinds of families . The role of＂economic housing＂on improving housing affordability is very limited and shared-right housing is feasible for improving the housing affordability of middle and low income families.

关 键 词：住房可支付能力 剩余收入法 北京 

分 类 号：F293.31[经济管理—国民经济]