文档介绍：山西财经大学
硕士学位论文
中国城镇中低收入阶层住房购买力政策分析
姓名:李熠庭
申请学位级别:硕士
专业:社会保障
指导教师:郑润梅
2010-03-30
摘要
随着城镇居民收入差距扩大和住房市场化,以及近年房价的持续上涨和住
宅供应结构性缺陷,中国城镇中低收入阶层正面临严重的购房支付能力问题。
如何解决好中国城镇中低收入阶层的居住问题,已经成为一个急需解决的社会
问题,它直接影响到社会的稳定和经济的可持续发展。
本文以经济学的住房供需理论为立足点,以中国城镇中低收入阶层为研究
对象,运用房价收入比指标对中国城镇中低收入阶层的购买力问题,从以下几
方面做了相关研究和分析:第一,基于市场供求理论,对中国城镇中低收入阶
层住房市场供应现状以及供应结构状况进行了分析;第二,运用房价收入比理
论,分析和研究中国城镇中低收入阶层住房购买力的现状,显示出目前中国城
镇中低收入阶层住房购买力有限;第三,结合中国住房市场机制和住房制度体
系,对中国城镇中低收入阶层住房购买力的影响因素进行分析;最后,针对现
阶段制约中国城镇中低收入阶层购买力的主要影响因素,提出解决的具体方案
和建议,试图为相关部门制定政策、调整规划提供帮助。
广大的中国城镇中低收入阶层的住房问题的解决不可能完全依赖市场机
制,建立一个兼顾经济和社会两方面的完善的住房供应体系是解决中低收入阶
层住房问题的关键,而实现合理的房价收入比是提高中低收入阶层住房购买力
的根本。

【关键词】中低收入阶层市场供求房价收入比购买力

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Abstract
With the e gap between urban residents and the housing market, as well as the
continuing rise in house prices in recent years and structural defects in housing supply, China's
low-e groups in cities and towns are facing a serious problem of housing affordability. How
to solve China's urban housing problem of lower-middle class has e an urgent social
problem, it is a direct impact on social stability and economic sustainable development.
In this paper, based on supply and demand theory of economics, it takes the China's urban
lower-middle class earning as the research object, it uses the indicator of price earning ratio to
measure the issue of China's urban lower-middle class housing purchasing power. It has done the
related research and the analysis from the following aspects: First, based on the market supply
and demand theory, it has carried on the analysis to China's urban housing market in the supply of
lower-middle class at present situation, as well as an analysis of the status of the supply structure;
Second, the use of housing price earning ratio theory, analyzes and studies the present situation
of China's urban lower-middle class housing purchasing power, demonstrates the present
purchasing power is limited. Third, unif