我国住房公积金管理制度存在的问题研究
[摘要] 住房公积金作为我国三大住房保障制度之一，在资金获取、制度覆盖率等方面与经济适用住房制度和廉租住房制度相比较，具有这两种制度不可比拟的优势。住房公积金制度在全国建立20年来，制度的覆盖面不断扩大，资金的积累也在块速增长，资金的使用率逐年提高，制度的作用日益显现，社会对其的关注低进一步提高。但是，住房公积金制度发展到今天同样也面临着一些不容忽视的问题，本文首先对我国住房公积金制度的发展及现状进行分析，进而对我国住房公积金的效应进行分析，提出了我国住房公积金管理制度给我国带来的的正面效应和负面效应。其次提出我国住房公积金存在的制度存在的问题及原因，最后针对提出的问题提出完善我国住房公积金制度的措施。
[关键词] 公积金 住房保障 住房公积金
China’s housing accumulation fund management system existing problem research
Abstract: The housing accumulation fund in China as one of the three major housing security system, in the financing, to increase the coverage of the system with respect to the economic application of the housing system and the low-rent housing system is compared with the two systems, the incomparable advantages. This paper on China’s housing accumulation fund system development and the present situation to carry on the analysis, then proposed the existence of the system of housing accumulation fund of our country and the reasons for the problems, the final response to questions put forward to perfect the measure of housing accumulation fund system in china.
Key word: Provident Fund, housing security, housing reserve
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