论政府责任边界视域下中国住房公积金制度的改革方向

发布时间：2017-12-28 18:07

本文关键词：论政府责任边界视域下中国住房公积金制度的改革方向　出处：《社会保障评论》2017年04期 　论文类型：期刊论文

【摘要】：中国的住房公积金制度产生于由计划经济向社会主义市场经济转型的特殊时代。经过20多年的发展,这一制度发挥了应有的作用,也出现了许多问题。本文认为,政府在住房保障领域的责任边界是保障低收入人群"有房住"。从筹资来源看,住房公积金的性质应该是用人单位的福利,而目前它却被当作一项社会福利制度,意在通过对成员个人账户资产的收益权进行再分配即互助共济,达到部分成员"有房住"的社会目标。所以,这项制度的内在逻辑不够通畅,其中的政府责任存在越界状况,与之相关的政策无论如何改进,其内在矛盾均难以克服。逐步取消公积金制度是解决问题的根本办法,但此项改革阻力较大。如果退而求次,将公积金制度由强制性制度改为自愿性制度,由政府管理改为用人单位工会管理,则可部分消除现存的问题。
[Abstract]:China's housing provident fund system is produced in a special era of transition from planned economy to socialist market economy. After more than 20 years of development, this system has played its due role, and there have been many problems. This article holds that the government's responsibility boundary in the field of housing security is to ensure that the low-income people have a "housing". From the sources of financing, the nature of the housing provident fund should be the employer's welfare, and it was used as a social welfare system, intended by members of the personal account assets usufruct is Huzhugongji redistribution, achieve the goal of social members "living room". Therefore, the internal logic of the system is not smooth enough, and the government responsibility is out of bounds. The related contradictions of policies are difficult to overcome in any way. Gradually abolition of the accumulation fund system is the fundamental solution to the problem, but the reform is more resistant to the reform. If we go back to the next stage, we should change the mandatory provident fund system from voluntary system to voluntary system, and from government management to labor union management, which will partially eliminate the existing problems.
【作者单位】：中国人民大学公共管理学院;
【分类号】：D632
【正文快照】： 一、住房公积金制度产生的实践背景及其历史使命1994年建立的住房公积金(以下亦称公积金)制度是强制性的个人储蓄制度,资金来源于个人工资和用人单位,公积金缴费是享受税收优惠的。它的主要政策目标是通过互助共济来保障账户持有人的住房购买能力。公积金由准政府机构公积金管

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