摘要
住房公积金制度是我国重要的住房社会保障制度,其公平性、有效性直接影响共同富裕目标的实现。本文基于2014—2018年中国家庭追踪调查数据(CFPS),运用调节效应回归方程分析个体住房公积金的调节效应差异,工具变量分析影响缴存住房公积金因素。研究结果表明不同单位所有制对于住房公积金存在不同的调节效应差异,个体和就业特征对于是否缴存住房公积金存在影响。通过进一步对影响因素的分析,对比单位缴存住房公积金前后职工的工资收入基尼系数及泰尔指数的变化,发现单位缴存的住房公积金对于收入分配具有逆向调节的作用,扩大了单位之间已有的收入差距,且同时考虑单位与个人住房公积金的收入不平等效果比仅考虑单个因素的效果更加显著。
Housing provident fund system is an important housing social security system in China.Its fairness and effectiveness directly affect the realization of common prosperity.Based on the data of China Family Panel Studies from 2014 to 2018,this paper analyzes the moderating effect difference of individual housing provident fund by using the moderating effect regression equation,and analyzes the factors affecting the housing provident fund by instrumental variables.The results show that different unit ownership has different moderating effects on housing accumulation fund,and individual and employment characteristics have an impact on whether to deposit housing accumulation fund.By further analyzing the influencing factors and comparing the changes of Gini coefficient and Theil index of wage income of employees before and after the housing provident fund is deposited by units,it is found that the housing provident fund paid by units has a reverse adjustment effect on income distribution and expands the existing income gap between units.And the effect of income inequality considering both unit and individual housing provident fund is more significant than that considering only a single factor.
作者
许嘉祺
XU Jiaqi(Economics of Anhui University,Hefei,Anhui,230601,China)
出处
《上海经济》
2022年第3期64-76,共13页
Shanghai Economy
关键词
住房公积金
影响因素
调节效应
收入差距
Housing Accumulation Fund
Influencing Factors
Regulating Effect
Income Gap
