Study On Housing Provident Fund Depositing And Real Estate Purchasing Of Rural Migrant Worker

Human life is dependent on the housing.Own housing is the basic requirement of each family and individual in the world.Rapid urbanization and further industrialization are two main trends for the future development of China's society.A large number of farmers have been transferred to the industrialization and cities.Rural migrant workers realizing their housing rights and acquiring real estate is not only the base of migrant workers survival and development needs,but also the measure to achieving the goal of the socialist equality and common prosperity in China.Real estate is a very special commodity.Its price is high,using time is long,and can be a kind of inheritance to next generation.The feature of high value of makes many citizens can not acquire real estate only rely on individual economic strength.Solving housing problem needs society cooperation.Any countries and societies,no matter how high their level of economic development,market is the main mean to solve the housing problem.But market is not enough,setting up housing provident fund system according to s economic development is necessary.Mutual aid plays an important role.Our current system of housing provident fund is the most important housing social security means,is the national level based security for urban residents to purchase housing.In China,housing provident fund depositing is compulsory.Employer and employee must deposit housing provident fund after labor contract was signed.Deposit rate and loan rate are low under housing provident fund.Low rate is the mechanism of mutual assistance among citizens.This paper is aim to study the rural migrant workers housing provident fund depositing and commercial housing purchasing behavior,analyzes effects of housing provident fund on commercial housing purchasing,in order to make policy suggestion on improving housing situation of rural migrant worker and meets their fundamental need.The contents and related conclusions are as follows:Content 1:Housing provident fund depositing of rural migrant worker In order to analyze influence factors of rural migrant worker depositing,the author introduced dependent variables from two aspects.One aspect is employee,another is employer.The results show that the cover rate of f housing provident fund is low,more than half of rural migrant workers did not deposit fund.Characters of employee and employer and system have significant effects on rural migrant worker depositing.In terms of employee,age,educational level and marital status of rural migrant workers have significant effects on housing provident fund depositing.The relationship between rural migrant worker depositing and its age is inverted "U" type.Under forty years old,the depositing probability of rural migrant worker increases with age.Over forty years old,the depositing probability of rural migrant worker decreases with age.The higher the rural migrant worker educational level is,the probability of depositing is bigger.Compared with the rural migrant workers who get married,unmarried migrant workers are more likely to deposit fund.In terms of the employer,number of employees,labor relations,and type of work have significant effects on depositing.The more the number of employees are,the stronger the depositing willness of employer is.In terms of the labor relations,employers are more willing to deposit fund for employees who have got formal labor contract.In terms of type of work,employer are more willing to deposit fund for employee who did management work technical job.In addition to above two aspects of factors,the system housing provident play a significant role as well.Content 2:The mechanical housing purchasing behavior of rural migrant worker This part is aim to analysis effects of housing provident fund deposit on mechanical housing purchasing.Conduct,willness,location,construct area and value are focused.The results show that housing provident fund has a significant effect on mechanical housing purchasing.Housing provident fund can strengthen purchasing ability and financial ability of rural migrant workers;play an important role in improving housing situation of rural migrant worker.Although rural migrant workers housing purchase intention are mainly depend on their actual demand,whether depositing housing provident fund and depositing amount have no significant effect,but the whether depositing fund and the depositing amount had a great effect on conduct of commercial housing purchasing.The housing provident fund depositing can increase the probability of own commercial housing of rural migrant worker.These shows that the housing provident fund can strengthen purchasing ability and financial ability,improve housing situation of rural migrant worker.In addition to the impact on the buying behavior,housing provident fund also affect commercial housing location,structure area and value.Compare with rural migrant worker who did not deposit housing provident fund,rural migrant worker who deposit or deposit more to purchased(or plan to purchase)larger house.The study also found out that the housing needs of rural migrant workers exist gradient effect.Although,compared with the rural migrant workers who have not purchased mechanical housing,the rural migrant worker have weaker purchasing wiliness,but they want to purchase larger house as long as they what purchase next mechanical house.Content 3:Effect of housing provident fund on income distribution among rural migrant worker.This part is aim to analyze the effect of housing provident fund on income distribution among rural migrant worker.The gini coefficient and lorenz curve are adopted in study.The result show that although the gap of housing provident fund deposit amount among rural migrant workers is large,but the effect of housing provident fund on income distribution is small.There are two kinds of reasons.Firstly,the amount of housing provident fund is related to income of rural migrant worker,secondly,many rural migrant workers did not deposit housing provident fund.It should be point out that the method of gini coefficient and Lorenz curve can underestimate the effects.The conclusions of this paper show that the housing provident fund can enhance rural migrant workers' ability to pay and the financing ability,improve the housing conditions of the rural migrant workers,but now the coverage rate of housing provident fund is low,the gap of depositing amount among rural migrant worker are large,the probability of depositing of low-income rural migrant worker is low.To solve the housing problems of rural migrant workers,on the one hand,to perfect the system of housing accumulation fund,establish a unified national system of housing accumulation fund management,improve the rural migrant workers housing accumulation fund coverage,on the other hand,we must strengthen rural migrant workers legal awareness and business skills education and training,enhance the competitiveness of the farmers in the labor market and improve their income.