我国农村流动人口城市住房支付能力研究——基于典型的三线及以下城市的考察
A Study on the Urban Housing Affordability of Rural Floating Population in China:
Based on the Research of Typical Third-Tier and Smaller Cities
作者信息：
王 伟 上海财经大学公共经济与管理学院房地产经济专业博士研究生，桂林航天工业学院能源与建筑环境学院讲师
陈 杰 上海财经大学公共经济与管理学院投资系主任、教授、博士生导师，不动产研究所执行所长（通讯作者）
摘 要：促进农村流动人口的城市定居是我国实现以人为核心的新型城镇化的重要举措。本文从房价收入比和“首付—月供压力”指标两个角度分析了我国农村流动人口在典型的三线及以下城市的住房支付能力。研究结果表明，农村流动人口在三线及以下城市普遍存在住房支付问题，并与东、中、西部地区之间存在明显的差异。根据分析结果，我们提出针对该群体适度地降低首付比例、提供优惠贷款政策以及扩大公积金缴存范围等以提高农村流动人口住房自有率的政策建议。
关键词：农村流动人口，三、四线城市，住房支付能力
Abstract ：The promotion of urban resettlement of rural migrants is an important measure to realize the new urbanization in China. This paper analyzes the housing affordability of rural floating population in the typical third-tier and smaller cities from the perspective of house price income ratio and “down payment-monthly installment ”. The results show that the rural floating population in those cities has the housing payment problem, and there are significant differences among the eastern, middle and western regions. Based on the results, a policy proposal is to reduce the down payment ratio, to provide preferential loan policies and to expand the scope of provident fund deposit so that self-owned housing rate for rural migrants will rise.
Keywords：the rural floating population, third-tier and smaller cities, the housing affordability
文章来源：《城乡规划》2017 NO.5
