The impact of housing provident fund on the real estate market and housing consumption
住房公积金对房地产市场和住房消费的影响

摘要

通过对近年来相关文献的梳理以及笔者个人的从业实际，从住房公积金对房地产市场供需、价格波动的影响，以及对住房消费者购房能力、消费选择等方面进行深入探讨。研究表明，住房公积金在一定程度上促进了房地产市场的发展和居民住房消费的提升，但也存在着区域差异和政策效果的不均衡性等问题。未来仍需要进一步优化住房公积金政策，以更好地发挥其对房地产市场和住房消费的积极作用。

Abstract

Through the review of relevant literature in recent years and the author's personal practice, this article explores in depth the impact of housing provident fund on the supply and demand, price fluctuations in the real estate market, as well as the purchasing ability and consumption choices of housing consumers. Research has shown that housing provident fund has to some extent promoted the development of the real estate market and the increase of residents' housing consumption, but there are also problems such as regional differences and uneven policy effects. In the future, it is still necessary to further optimize the housing provident fund policy to better play its positive role in the real estate market and housing consumption.