【作者简介】徐旻霞，西北工业大学公共政策与管理学院副教授，主要研究方向为金融社会学、社会分层与流动；郑路，清华大学社会科学学院副教授，主要研究方向为金融社会学、社会网络分析。

【文章来源】《社会学评论》2024年第3期

【内容提要】本研究利用中国家庭金融调查（CHFS）2019 年数据，从社会分层的视角考察不同社会经济地位的城镇居民在住房公积金制度参与广度、参与深度和参与效度中的差异及其形成机制。研究发现：社会经济地位越高的城镇居民，缴存住房公积金的概率越大，月度缴存金额也越高；在缴存住房公积金的城镇居民中，社会经济地位高的城镇居民金融素养更高、信贷能力更强，提取住房公积金的概率更大，使用住房公积金购房的概率也更大；参与住房公积金制度能够显著提高城镇居民的住房资产，并且这一正向影响对社会经济地位越高的城镇居民越明显。本研究揭示了住房公积金制度运行的社会分层逻辑，及其对城镇居民住房条件和住房不平等的潜在影响，并就住房公积金制度的发展和完善提出了建议。

【关键词】住房公积金 / 住房不平等 / 社会经济地位 / 金融素养 / 信贷能力

【基金项目】西北工业大学中央高校基本科研业务费资助项目“城镇居民住房公积金制度参与的社会分层机制研究”（G2024KY05105）。

【全文链接】http://src.ruc.edu.cn/CN/Y2024/V12/I3/30

Socio-Economic Status Differences of Chinese Urban Residents in Housing Provident Fund Participation

XU Minxia ZHENG Lu

Abstract: Through the empirical analysis of China Household Finance Survey（CHFS）2019 data, this study examines the socio-economic status differences of Chinese urban residents in housing provident fund participation, including participation breadth, participation depth, and participation validity, and its formation mechanism from the perspective of social stratification. Results show that urban residents with higher socio-economic status have a higher probability of participating in the housing provident fund system, and accumulate more monthly money. Among urban residents who participate in housing provident fund system, the higher the socio-economic status of the residents, financial literacy, and credit capacity, the higher the probability of withdrawing the housing provident fund, and credit using the housing provident fund to buy houses. Housing provident funds can significantly improve the housing assets of urban residents, and this positive impact is more prominent for urban residents with higher socio-economic status. This study reveals the social stratification logic of the operation of the housing provident fund system and its potential impacts on housing conditions and housing inequality of Chinese urban residents. It also makes suggestions for developing and improving the housing provident fund system.

Keywords: housing provident fund, housing inequality, socio-economic status, financial literacy, credit capacity