摘要
本文基于2016年中国流动人口动态监测调查数据及各城市住房公积金年度报告数据,从流动人口落户意愿视角实证检验公积金异地贷款推行进程缓慢的原因。研究发现,城市住房公积金异地贷款推行力度的增加会显著抑制流动人口的落户意愿,且该影响在不同个体、家庭、城市及流动特征群体中存在明显的异质性。流动人口的未来购房计划和长期居住意愿是主要影响机制。同时,流入地城市的高房价会增强异地贷款对流动人口落户决策的抑制效应。在各地“人才争夺战”日益激烈的当下,异地贷款推行力度变化所引致的人才流失风险,将使得地方政府推行该政策的积极性受阻。本文研究可以帮助理解当前住房公积金异地贷款推进缓慢的原因,并为实现区域协调发展以及公积金异地贷款的政策设计提供启示。
Based on China Migrants Dynamic Survey Data in 2016 and the annual report data of housing provident fund(HPF)in each city,this paper empirically examines reasons for the slow implementation of the policy of off-site HPF loans from the perspective of migrant settlement intentions.It is found that an increase in the proportion of off-site HPF loans significantly inhibits the willingness of the migrants to become local registered residents,and the effect is significantly heterogeneous across individuals,households,cities,and groups of migration characteristics.The migrants'future housing purchase plans and their willingness to live permanently are the main influencing mechanisms.At the same time,high housing prices in inflow cities can enhance the effect of off-site HPF loans on migrants'willingness to settle down.At a time when the“war for talent”is becoming increasingly fierce,the risk of brain drain due to permitting off-site HPF loans will discourage local governments from implementing this policy.This study can help understand reasons for the trivial progress of off-site HPF loans and provide insights for achieving coordinated regional development and the policy design of off-site HPF loans.
作者
吴义东
厉诗辰
王先柱
Wu Yidong;Li Shichen;Wang Xianzhu(School of Business,Anhui University of Technology;Business School,Nanjing University)
出处
《劳动经济研究》
CSSCI
2023年第5期96-120,共25页
Studies in Labor Economics
基金
国家自然科学基金面上项目(项目编号:72374003)
教育部人文社会科学研究青年基金项目(项目编号:23YJC790154)
安徽省哲学社会科学重点实验室协同创新项目(项目编号:GXXT-2022-098)的资助
关键词
住房公积金
异地贷款
落户决策
区域协调发展
housing provident fund
off-site loans
settlement decisions
coordinated regional development
