北京市住房公积金制度存在的问题与对策研究
发布时间：2018-08-03 21:57
【摘要】：住房公积金制度是我国在进行城镇住房体制改革过程中的一项金融创新制度。北京地区是我国最早一批实施住房公积金制度的城市之一。住房公积金制度自实施以来在解决百姓住房问题方面发挥了巨大的作用,但仍然有些问题需要解决。本文首先对北京市住房公积金制度的背景、内涵及特征进行了介绍,然后对北京市住房公积金制度20多年的发展历程进行了总结,对其运行状况进行了评价,在此基础上指出了北京市住房公积金制度在管理体制上存在法律地位不明确、决策机构功能被虚化、监管力量分散的问题;在运行机制上存在受政策制约不能统筹使用、使用上的公平性、增值收益分配不合理、以及对缴存职工服务不到位的问题。再次,通过国外公共住房资金管理模式的探讨,选取了两个典型国家——新加坡和墨西哥的住房公积金发展模式进行分析,并提出可以借鉴之处。最后对完善北京住房公积金制度提出对策建议,通过明确管理中心法律地位、优化决策机构、完善监管体系来改进管理体制方面存在问题;通过加强住房公积金风险管理、合理调整住房公积金使用政策、对增值收益分配后再运作以及转变服务模式,完善服务监督来实现运行机制方面的优化。
[Abstract]:Housing provident fund system is a financial innovation system in the process of urban housing reform in China. Beijing area is one of the first cities in China to implement housing provident fund system. Since its implementation, the housing provident fund system has played a huge role in solving the problem of people's housing, but still some problems need to be solved. This article first introduces the background, connotation and characteristics of the housing provident fund system in Beijing, and then sums up the development course of the housing provident fund system of Beijing for more than 20 years, and evaluates the running status of the housing provident fund system in Beijing. On this basis, it points out that the legal status of the housing provident fund system in Beijing has no legal status in the management system. It is clear that the function of the policy-making institution is empty and the supervision power is scattered; there are two typical problems in the operation mechanism, which can not be used as a co-ordinate by policy, the fairness in use, the irrational distribution of value-added income, and the lack of service for the staff and workers. The development model of housing provident fund in Singapore and Mexico is analyzed and the reference points are put forward. Finally, some suggestions are put forward to improve the housing provident fund system in Beijing. Through the clear legal status of the management center, the optimization of decision-making institutions, the improvement of the regulatory system to the management system, and the strengthening of housing through strengthening housing. The risk management of provident fund, the rational adjustment of the housing provident fund policy, the distribution of value-added income after the operation and the transformation of service mode, and improve the service supervision to achieve the optimization of the operating mechanism.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F299.23;F832.479
本文编号：2163113
[Abstract]:Housing provident fund system is a financial innovation system in the process of urban housing reform in China. Beijing area is one of the first cities in China to implement housing provident fund system. Since its implementation, the housing provident fund system has played a huge role in solving the problem of people's housing, but still some problems need to be solved. This article first introduces the background, connotation and characteristics of the housing provident fund system in Beijing, and then sums up the development course of the housing provident fund system of Beijing for more than 20 years, and evaluates the running status of the housing provident fund system in Beijing. On this basis, it points out that the legal status of the housing provident fund system in Beijing has no legal status in the management system. It is clear that the function of the policy-making institution is empty and the supervision power is scattered; there are two typical problems in the operation mechanism, which can not be used as a co-ordinate by policy, the fairness in use, the irrational distribution of value-added income, and the lack of service for the staff and workers. The development model of housing provident fund in Singapore and Mexico is analyzed and the reference points are put forward. Finally, some suggestions are put forward to improve the housing provident fund system in Beijing. Through the clear legal status of the management center, the optimization of decision-making institutions, the improvement of the regulatory system to the management system, and the strengthening of housing through strengthening housing. The risk management of provident fund, the rational adjustment of the housing provident fund policy, the distribution of value-added income after the operation and the transformation of service mode, and improve the service supervision to achieve the optimization of the operating mechanism.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F299.23;F832.479
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