| In recent years,with the sustained development of China’s national economy and the significant improvement of residents’ income level,the focus of the state on residents’housing problems has shifted from efficiency to equity.Subsequent fairness of the housing provident fund deposit withdrawal system has gradually entered the public view.The spirit of the twentieth tenth is to "perform the government’s redistribution adjustment function,solidly promote the equalization of basic public services," "standardize the wealth accumulation mechanism,narrow the income distribution gap" and "adhere to the ’house is used to live,not for speculation’ positioning,accelerate the establishment of a multi-body supply,multi-channel security,rental and purchase system,so that all people have a home,The government should "fulfill the government’s redistribution regulating function," and"solidly promote the equalization of basic public services," "regulate the wealth accumulation mechanism and narrow the income distribution gap," and "adhere to the positioning that ’houses are for living,not for speculation’ and accelerate the establishment of a housing system with multiple main bodies of supply,multiple channels of protection,and rental and purchase,so that all people can have a home.The important issue of the"housing system".Translated with www.DeepL.com/Translator(free version)All sectors of society also questioned the sustainability of the housing provident fund system around the following three issues:first,whether the provident fund system has become a means for the high-income class to increase welfare income in disguise;Second,whether the provident fund system has become the "catalyst" to widen the income gap;Third,whether the provident fund system is easy to promote the spread of the phenomenon of "robbing the poor and helping the rich".Therefore,it is of great theoretical value and practical significance to sort out and study the impact of housing provident fund system on Residents’ income gap and benefit equity.In view of the lack of domestic research,starting from the deposit extraction path of housing provident fund,based on the benefit equity theory,social status seeking theory and income redistribution theory,this paper establishes a theoretical framework of benefit injustice from income gap to the deposit and extraction of housing provident fund,from individual subjective social position to using provident fund for status group.And discuss the internal transmission mechanism of benefit injustice through the decomposition of redistribution effect.Finally,it discusses the feasible improvement scheme of housing provident fund system from the perspective of policy transplantation.First,when there are differences in the income of different income groups,in order to obtain more housing provident fund benefits through the housing provident fund system,the high-income groups will pay more provident fund and form "welfare exploitation" for lower income families through "high deposit and high loan";In order to seek higher social status,high social status groups will also participate in the housing provident fund more actively,and form"relative deprivation" to lower social status families by using the housing provident fund to buy a larger area of housing.Income gap and social status gap together lead to the problem of unfair benefits,and there is a "double effect" on the undeserved benefits of housing provident fund.Secondly,depending on the analysis of the impact effect of income redistribution,there is an internal mechanism for the change of redistribution effect formed by benefit differences.Analyzing the reasons for unfair benefits in the housing provident fund system according to its internal impact mechanism can help achieve the goal of regulating the provident fund system from different dimensions,So as to provide the possibility to improve the benefit fairness of different income groups in the housing provident fund system.Finally,through the perspective of policy transplantation,this paper analyzes the existing problems of housing provident fund,and considers the construction of institutional policy agenda,policy setting and future policy development,so as to provide more possibilities for the reform of housing provident fund system.Around the above theoretical analysis framework,this paper makes an empirical analysis using the data of China Household Finance Survey(CHFS)issued by China Household Finance Survey and research center of Southwest University of Finance and economics and the data of China Household tracking survey(CFPS)issued by China Social Science Survey Center of Peking University.The main research work and conclusions are as follows:The first chapter is the introduction,which mainly expounds the research theme of the article,combs the research framework and overall logic of this paper in detail around the research background and significance,and expounds the logical level and chapter structure of the research content of the article.The second chapter is the notion definition,theoretical analysis and literature review.The theoretical basis mainly includes three aspects:first,it expounds the social status seeking theory under the framework of housing benefit equity,including the status commodity attribute of housing,social status seeking and relative deprivation,etc;Second,from the theoretical basis of government intervention in housing system,this paper demonstrates the importance of government in income distribution and benefit fair regulation,which leads to the conclusion that government intervention in housing provident fund system is the main means to solve income distribution and benefit fair;The third is to sort out the relevant theories of policy transplantation and policy compensation,and provide a new perspective for the improvement scheme of China’s housing provident fund system.The literature review focuses on the benefit equity and income redistribution effect of the housing provident fund system.In terms of benefit equity,it mainly comes the literature from the aspects of housing affordability,housing ownership choice and institutional dislocation.Income redistribution mainly discusses the evolution of the existing research methods of income distribution,and further combs the pertinent literature,which provides enlightening and referential research ideas and empirical methods for the analysis of this paper.The third chapter examines the benefit fairness of the housing provident fund system in different income classes,in order to verify that the implementation of the housing provident fund system has a high correlation and significant impact effect with the benefit fairness of family income in different income classes.The basic idea of testing the benefit fairness of the housing provident fund system is:through the deposit extraction analysis of the housing provident fund system,consider the impact of personal income on the housing provident fund system from the family,so as to investigate the benefit fairness of the housing provident fund system after the implementation of the policy.The study found that the higher income class received more benefits in terms of housing provident fund deposit and withdrawal,which were not conducive to benefit equity.The fourth chapter explores the status of the housing provident fund system,and further tests the fairness of the housing provident fund from the perspective of social status class positioning,based on the social status seeking theory and relative deprivation theory.The study found that through the test of the status of the housing provident fund system,it was found that the participation rate of the housing provident fund and the purchase area of the housing of the high social status group were significantly higher than those of the low social status group due to their occupation and other factors.The housing provident fund was conducive to the status seeking of the superior social status group.The fifth chapter analyzes the distinctive attribute based on income.From the individual perspective,taking the impact of the deposit and withdrawal of housing provident fund on income redistribution as the research object,according to the order of the impact of housing provident fund system on income redistribution,the comprehensive redistribution effect of housing provident fund Empirical Analysis on the redistribution effect of paying housing provident fund and withdrawing housing provident fund:(1)calculate the Gini coefficient and MT index of housing provident fund system after the implementation of the policy,and preliminaries measure the overall income redistribution effect before and after the implementation of housing provident fund system;(2)Calculate the changes of Gini coefficient and MT index before and after the implementation of provident fund payment and withdrawal policies,compare the impact effects of different stages of the implementation of provident fund system on income distribution,and preliminaries evaluate the impact degree of resource efficiency of each link of provident fund system on income redistribution;(3)According to different bandwidth grouping,the redistribution effect is further decomposed by MT index and its evolution method.The results show that from the perspective of the redistribution effect of the payment of the housing provident fund system,the payment policy has exacerbated the unfair income redistribution of the provident fund participating groups in terms of horizontal,vertical and reordering effects.Reordering effect has the greatest influence,followed by vertical effect and horizontal effect.The vertical effect and reordering effect of extraction policy aggravate the inequality of income redistribution,and the horizontal effect reduces the inequality of income distribution.However,the improvement effect of horizontal income distribution is largely offset by the reverse redistribution effect of perpendicular and reordering effect.The sixth chapter further examines the feasibility and main difficulties of Singapore’s housing policy transplantation and improvement through policy compensation in China from the aspects of national conditions and background differences,management system,land spatial structure,land policy and government financial support.Then,taking Shenzhen as an example.This paper explores the feasibility and improvement effect of the policy transplantation of China’s "policy reform pilot city" Shenzhen,which further draws lessons from the Singapore model.Find a universal consensus on how to properly alleviate the housing problems of low-income groups in China and improve the housing conditions of low-income groups.The seventh chapter puts forward policy suggestions to promote China’s housing provident fund system to regulate Benefit Equity and income distribution.Combined with the previous empirical research structure on the benefit equity and income distribution of the housing provident fund system,this paper puts forward policy suggestions to improve the benefit equity and income distribution equity of China’s housing provident fund system from three aspects:adjusting the top-level design of the housing provident fund system,optimizing the relevant policy environment of the housing provident fund system and straightening out the restraint mechanism of the housing provident fund system.Compared with the existing research,the innovations of this paper can be summarized as follows:first,from the perspective of the benefit equity of the housing provident fund system,test the benefit equity of the housing provident fund around different social status and income classes,which will help to provide a useful reference for building a systematic framework of the benefit equity of the housing provident fund and provide a basis for the theoretical speculation of the follow-up in-depth research;Second,the overall effect of redistribution depends on the impact of multi-dimensional inequality.According to the principle of balanced budget destination,scientifically evaluate the housing provident fund system from the perspective of multi-dimensional decomposition and social equity,and the transmission mechanism of the deposit withdrawal path on income redistribution,which can recognize the direction and degree of the impact of China’s current provident fund system on income redistribution effect from the perspective of depth and breadth.Third,from the perspective of policy transplantation,conduct in-depth research on the policy improvement scheme of the housing provident fund system,and fully consider the institutional environment dependence of the improvement strategy of the housing provident fund system,which will not only help to expand the research extension of the housing provident fund system,but also help to deepen the exploration of the existing research on the decision-making behavior of reforming the housing provident fund system,Further explain the overall picture of China’s housing provident fund system.Fourth,in the process of empirical analysis,the research data covering more detailed information is used,and the Heckman selection model is integrated to analyze the research data,which better overcomes the problem of self selection error of the research data.It provides valuable empirical evidence for the study of China’s housing provident fund system from a micro perspective,provides practical cognition for improving the income distribution and Benefit Equity of the housing provident fund system. |
PDF Full Text Request