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摒弃以家庭收入和住房价格平均数(或中位数)为核心的传统度量逻辑,本文以家庭收入分布和住房价格分布为基础,借鉴洛伦兹曲线和基尼系数思想,运用住房可负担倍数、住房可负担百分比和住房可负担度等微观指标以及住房洛伦兹曲线和住房基尼系数等宏观工具,构建了一个全新的从家庭到社会的住房负担能力度量理论框架。运用该理论对上海、深圳、武汉和苏州四个一二线城市二手住房负担能力的实证研究表明:四城市中等收入及以下家庭住房负担能力普遍偏低;除苏州外,其他三城市中等收入和中高收入家庭的住房负担能力也不乐观;四城市的社会住房负担能力不佳,其中上海和武汉的情况尤甚;房价较低的二线城市的住房负担能力状况不一定优于房价较高的一线城市。
Abandon the traditional measurement logic with the average (or median) of household income and housing price as the core. Based on the distribution of household income and housing price, this paper draws lessons from Lorentz curve and Gini coefficient, Housing affordability and housing affordability and other micro-indicators as well as macroscopic tools such as housing Lorenz curve and housing Gini coefficient, to build a new theoretical framework of housing affordability measurement from home to society. Empirical study on the affordability of second-hand housing in four first- and second-tier cities of Shanghai, Shenzhen, Wuhan and Suzhou using this theory shows that the housing affordability of middle-income and below families in four cities is generally low. In addition to Suzhou, the median income and middle- The housing affordability of income families is also not optimistic; the affordability of social housing in four cities is poor, especially in Shanghai and Wuhan; the housing affordability of second-tier cities with lower housing prices is not necessarily better than the first-tier cities with higher housing prices .