Homeownership-Based Welfare in Transition
Homeownership-Based Welfare in Transition
复制标题
转型中基于住房所有权的福利
DOI：
10.13060/23362839.2015.2.1.176
复制
发表时间：
2015
期刊：
影响因子：
4.8
通讯作者：
J. Kadi
中科院分区：
文献类型：
--
作者：
R. Ronald;C. Lennartz;J. Kadi
近几十年来，福利国家重组在许多发达经济体中变得越来越突出。福利国家重组的特点是利用业主自住住房资产持有的股权来抵消不断减少的公共福利资源和不断减少的养老金储备。这篇聚焦于英国的论文考察了住房拥有者地位的转变，认为尽管私人住房已成为福利重组的关键组成部分，但业主自住和住房权益在过去10年里都变得更加两极分化，尤其是在不同群体之间。一个特别令人担忧的问题是，基于住房所有权的被动福利转换战略是否已变得更加积极，甚至是主动的战略，将住房财产积累作为一种手段，以弥补全球金融危机之前和以来福利国家的紧缩和预期的养老金短缺。我们确定了“世代房东”在最近的“世代租金”发展中的重要意义。
Welfare-state restructuring featuring the use of equity held in owner-occupied housing assets to offset declining public welfare resources and diminishing pension reserves – a form of ‘homeownership-based welfare’ – has become increasingly prominent in many developed economies in recent decades. This paper, focusing on the UK, examines the shifting position of homeownership, arguing that while the private home has become a key component of welfare restructuring, both owner-occupation and housing equity have become more polarised in the last decade, especially across cohorts. A particular concern is whether passive homeownership-based welfare switching strategies have become more active, or even pro-active, strategies to housing property accumulation as a means to compensate for welfare state retrenchment and anticipated pension shortfalls leading up to and since the Global Financial Crisis. We identify the significance of the rapid advance of a ‘generation landlord’ in the recent development of ‘generation rent’.