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| Title: | 房價變動對家庭子女教育支出的影響
The Impact of Housing Price Changes on Household Educational Expenditure |
| Authors: | 李瑀婕
Li, Yu-Chieh |
| Contributors: | 江穎慧
Chiang, Ying-Hui
李瑀婕
Li, Yu-Chieh |
| Keywords: | 房價變動
教育支出
家庭動態調查
Housing Price Changes
Educational Expenditure
Panel Study of Family Dynamics (PSFD) |
| Date: | 2025 |
| Issue Date: | 2025-07-01 15:29:44 (UTC+8) |
| Abstract: | 在台灣，高自有住宅率與高房價並存，家庭資產結構中房地產占比極高，住宅支出成為多數家庭的主要財務負擔。同時，受華人文化影響，教育支出亦為家庭的重要投資支出。本研究旨在探討台灣房價變動對家庭子女教育支出的影響，並進一步分析不同家庭背景條件下，此一影響機制是否具異質性。
本研究使用 2013 年至 2021 年之台灣家庭動態調查追蹤資料，結合縣市層級清華安富房價指數，運用固定效果模型進行分析，並納入住宅所有權屬、居住地區、祖父母資助（跨世代經濟流動）及世代差異等因素進行多項檢定，以探討家庭異質性影響。此外，本研究更將家庭對子女的學業成就期望與子女年齡納入控制變數，以完整考量影響家庭教育支出之因素。
研究結果顯示，整體房價上升對家庭子女教育支出具有 5% 顯著負向影響，當房價上漲 1% 時，家庭子女教育支出減少約 0.81%，具排擠效果。異質性分析進一步指出：（1）僅「住宅為家人所有者」的家庭呈現顯著排擠效果，顯示潛在購屋族群可能會因房價上漲而增加儲蓄，壓縮其他消費支出；（2）受自有住宅比例、房價波動性等地區因素影響，各地區具不同程度之房價排擠效果，其中新北市最為明顯；（3）跨世代經濟流動顯著調節房價與教育支出的關係。此外，經濟支援祖父母的家庭其家庭條件較佳，既能支援祖父母，亦能投資更多於子女教育。而祖父母對家庭的經濟資助每增加1萬元，家庭子女教育支出顯著增加約 88.88%。（4） X 世代與 Y 世代家庭之子女教育支出對房價變動反應無顯著差異，顯示高房價所造成的教育支出壓力具有普遍性。
不同於過去多聚焦於總體消費的文獻，本研究從教育支出切入，並首度運用家庭動態調查追蹤資料進行實證分析，亦提供具實務價值之資料整合經驗。透過異質性分析，揭示家庭背景與地區條件在教育決策上的差異，為理解房價影響下的家庭行為提供新視角，亦對未來住宅與教育政策的制定具有實證上的參考價值。
In Taiwan, a high homeownership rate coexists with rapidly rising housing prices, making housing costs a major financial burden. At the same time, educational spending remains a culturally important household investment. This study explores how housing price fluctuations affect household educational expenditure for children and whether this relationship varies by household characteristics.
Using panel data from the Taiwan Panel Study of Family Dynamics (2013–2021), combined with the city-level House Price Index of Anfu Institute for Financial Engineering, this study applies fixed effects models. It examines interaction effects involving housing tenure, residential region, intergenerational transfers, and generational cohorts. Control variables include parental expectations and children's age.
Findings show a significant crowding-out effect: a 1% rise in housing prices leads to a 0.81% reduction in education spending. Heterogeneity analysis further reveals that: (1) the effect is strongest among households living in family-owned homes, likely due to future home purchase planning; (2) regional differences are evident, with New Taipei City most affected; (3) Intergenerational transfers significantly moderate the relationship; and (4) no significant differences are found between Generation X and Y, indicating broad financial pressure.
This study departs from prior literature by focusing on educational spending and applying long-term panel data. It highlights how family and regional factors shape household responses to housing costs, providing empirical insights for housing and education policy. |
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網頁文獻
信義房屋，2024，信義房價指數（2001-2024）。https://www.sinyinews.com.tw/quarterly，取用日期：2004年12月6日。 |
| Description: | 碩士
國立政治大學
地政學系
112257013 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0112257013 |
| Data Type: | thesis |
| Appears in Collections: | [地政學系] 學位論文
|
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| 701301.pdf | | 5274Kb | Adobe PDF | 0 | View/Open |
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