收入不平等和城低收入家庭住房可和性.PDF

中国经济学教育科研网讨论稿 收入不平等和城市低收入家庭的住房可及性 * 张川川 中央财经大学经济学院 内容提要 经济理论表明收入不平等影响城市房价和低收入家庭的住房可及性。本文基 于城市住户调查数据实证考察了我国城市收入不平等对低收入家庭住房可及性的影响。经验 研究表明，城市内部收入不平等的上升会显著加重低收入家庭的住房成本负担，显著降低其 人均住房面积和居住质量。在控制了家庭自身收入的影响后，收入不平等对低收入家庭住房 的住房可及性仍然存在显著影响。进一步的研究发现，住房市场的产品差异化程度能够对收 入不平等的负面影响起到缓冲作用，表现为单套住房面积的差异化程度越高，收入不平等对 城市低收入家庭住房成本负担、住房消费量和居住质量的影响越小。 关键词 收入不平等 城市低收入家庭 住房可及性 中 国 Income Inequality and Access to Housing among Urban Low-income 经 济 Families in China 学 Abstract: Economic theory suggests that income inequality predicts housing price and 教 access to housing for low-income families. Using Chinese urban household survey data, this paper 育 empirically examine impacts of income inequality on access to housing for urban low-income 科 families. Empirical results show that, higher income inequality within cities is significantly associated with higher housing cost burden, smaller per capita living space, and lower housing 研 quality among low-income families. After controlling own income effect, income inequality is still 网 significantly associated with access to housing among low-income families. Further studies show 讨 that the negative impact of income inequality could be moderated by product differentiation in