CAJ | 학술논문

本文构建两期不确定性模型，利用城市住户调查数据检验收入不确定性条件下公积金约束对家庭住宅消费福利的影响。实证结果显示，失业不确定性对居民基本住宅消费有显著的负向影响；放松公积金约束有助于提高居民住宅权属福利，对改善型住宅需求规模也有显著影响；收入不确定性通过改变公积金约束对不同类型家庭住房消费产生差异性影响，其中在改善型住宅需求福利方面，社会经济地位较低的家庭受影响更显著。
본문구건량기불학정성모형，이용성시주호조사수거검험수입불학정성조건하공적금약속대가정주택소비복리적영향。실증결과현시，실업불학정성대거민기본주택소비유현저적부향영향；방송공적금약속유조우제고거민주택권속복리，대개선형주택수구규모야유현저영향；수입불학정성통과개변공적금약속대불동류형가정주방소비산생차이성영향，기중재개선형주택수구복리방면，사회경제지위교저적가정수영향경현저。
Based on a two-period uncertainty model, this paper empirically analyses effects of income uncertainty and provident fund constraint on housing welfare using the urban survey data. The results show that income uncertainty has negative effects on basic housing consumption and the welfare of housing tenure choice. Relaxing the restriction of housing provident fund, the housing consumption welfare of urban resident is increased. Through changing the restriction of housing provident fund, income uncertainty has different effects on the housing consumption. Among of them, in the field of the improving housing consumption, the family that has low social-economics status suffers an evident effect of income uncertainty.