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随着上海经济结构的加速服务化，劳动力市场的二元结构日趋显著，促使社会结构不断分化，会出现越来越多的高端知识精英阶层与大量的低端服务阶层，形成“哑铃状”社会阶层结构。未来在空间上也将呈现出分异的特征：中心城区和新城可能转型为以中产阶层为主的社会，而郊区村镇仍然是以低阶层人口为主的阶层结构。中心城、远郊地区老龄化日益严重。随着“绅士化”进程的加速，高收入阶层对优质城市空间的侵入可能会愈发严重，从而可能引致弱势群体贫困问题。
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(4) 各区县房屋皆可贷。商业贷款一般只对北京市城八区内符合条件的房屋进行贷款远郊区县的房产审核极为严格。而公积金贷款除对城八区房屋放贷之外也能对北京市远郊区县的房屋进行放贷。
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