摘要
采用2011-2019年中国家庭金融调查(CHFS)数据,实证检验放宽公积金提取条件对家庭消费的影响.研究发现:放宽住房公积金租房提取条件能够显著提升家庭的消费水平,增幅平均为8.4个百分点.家庭消费提升主要通过改善家庭存款结构、影响家庭消费结构得以实现.同时,该政策的促进效应存在异质性.相较于中西部地区,东部地区的家庭消费提升更为显著.对于不同经济水平的家庭而言,在低公积金余额、低收入水平样本家庭中更加显著.
Abstract
Based on the data of Chinese Household Finance Survey(CHFS)2011-2019,empirical research of the influence of rela-xing the restriction of housing provident withdraw on household consumption has been done.We have found that by relaxing the restriction of housing provident withdraw,profound growth of household consumption is seen,with an average increase of 8.4％.Household consumption increases through optimizing household deposit structure and adjusting household consumption structure.Meanwhile,the motivating effect of the policy manifests heterogeneity.Compared with families in the central and western regions in China,more significant increase of household consumption is seen in families of eastern regions.For families of different financial states,household consumption increases more in families with both low housing provident balance and low income.
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万方数据