Research On Housing Pattern Selection Of Elderly Families Under Market Demand

With the continuous advancement of the aging population,the impact of the elderly on the housing demand is also growing.The housing products of the elderly consumption groups,such as pension real estate,enter the market,but their profitability is not ideal.Therefore,it is necessary to study the housing demand and housing model selection of the elderly in China,so as to provide reference for the development of the elderly housing in China.Scholars at home and abroad mostly focus on the aging design,reverse mortgage and housing policy.In the study of housing choice for the elderly,they mostly analyze the influencing factors of the demand willingness of the elderly housing,such as the elderly real estate,and explore how to develop the elderly real estate,how to improve the retirement community and the elderly service.There is no guidance.In the study of housing model selection,the research from the perspective of housing investment demand and consumption demand is based on the common family as the research object,lack of special research for the elderly family.Therefore,this paper innovates from two aspects:research perspective and model construction,selects the elderly families to analyze the housing model selection from the perspective of housing demand,and introduces the characteristics of intentional pension form as the explanatory variable.From the perspective of research content,based on the database of China Household Finance Survey(chfs)collected by Southwest University of Finance and economics in 2015,this paper takes the elderly families as the research object,and studies the housing choice of elderly families from the dual perspectives of investment demand and consumption demand of family housing,which is divided into five chapters.The first chapter is the introduction.This part describes the research background of this paper,and makes a literature review of the research on the elderly family housing,housing model selection,elderly family housing model selection,housing investment demand and consumption demand.On this basis,it puts forward the research content,ideas,research methods and possible innovations of this paper.The second chapter is the concept definition and theoretical basis.This paper defines the concepts of housing,housing consumption demand,housing investment demand,housing model,intentional pension form and so on,and introduces the theoretical basis related to the research,including the theory of consumer utility maximization and the theory of housing model selection.The third chapter is the model construction of the elderly family housing model selection.According to the literature review and qualitative analysis,under the guidance of the three index system construction principles,this paper constructs the influence index system of the elderly family housing choice,explains the value of the explained variables,the construction of the theoretical model and the empirical model.The fourth chapter is the empirical analysis of the elderly family housing model selection.This chapter introduces the data source,data processing and sample selection of ordered probit model,makes descriptive statistical analysis on the samples,explains the empirical results and makes analysis,and tests whether there is regional heterogeneity in the results.The fifth chapter is conclusion and suggestion.State the main research conclusions of this paper,according to the conclusions,put forward suggestions from the perspective of elderly families,elderly housing industry and the government,and finally make a brief description of the limitations of this study,and look forward to the possible research direction in the future.After the empirical analysis of the whole country and sub regions,the following conclusions are drawn:(1)The choice of housing model for the elderly in China is dominated by the demand for housing investment.The difference between the housing investment demand and consumption demand of the elderly families in China j_ican explain the choice of housing mode.With the increase of the difference,the housing mode will change from low to high,and the elderly families are more inclined to purchase housing for their own living or value-added use.(2)Economic,cost and psychological factors significantly affect the choice of housing model.The higher the total assets of the family,the stronger the purchasing power of the housing,the more inclined to the high housing model;the elderly families in non rural areas and eastern areas are more inclined to the lower housing model because of the high cost of housing,and it is more difficult to achieve the satisfaction of the housing investment demand under the same purchasing power;the higher the education level and the stable work unit are inclined to the lower housing model,which may be because of the literature.People with high degree and stable work have more rational cognition of housing investment,so they will not blindly invest in real estate.(3)The elderly family heads are more inclined to choose home-based care,and the elderly with strong willingness of home-based care are more inclined to choose higher housing mode.At present,the traditional concept of family pension in China is still deeply rooted.The most acceptable way for the elderly is home-based pension.The traditional concept of "living and working in peace" makes the elderly pay more attention to the sense of belonging brought by the house itself,and tend to own the house.(4)There is regional heterogeneity in the choice of housing model for elderly families.Older families in the central and western regions tend to have higher housing model than those in the eastern regions,and the significant level of influencing factors is different from that in the eastern regions.