住房公积金公平问题研究

发布时间：2018-05-11 02:17

本文选题：住房公积金 + 公平　；参考：《华中师范大学》2014年硕士论文

【摘要】：作为我国新三座大山之一的住房问题,一直是人们关注的热点和焦点。作为我国住房体系的重要部分,住房公积金也受到了极大的关注,随着我国住房体制由实物分配向货币化分配的方式改革,住房公积金对这一住房改革的稳步推进做出了很大的贡献,为我国城镇职工的住房起到了很好的保障作用,但是在发展过程中,它也存在很多需要完善的地方,特别是关系住房公积金是否能够稳定健康发展的公平问题。本文通过回顾我国住房公积金出现的背景以及发展历程,论述了它所具备的基本性质和特点,以及其功能定位和运行管理模式,得出我国住房公积金具有住房保障和住房金融的双重功能。本文运用了西方经济学的相关理论,采用定性和定量分析以及规范研究的方法,对目前我国住房公积金的不公平性问题进行了研究,本文没有局限于只是比较分析公平的概念或者理念,而是从实际出发,把公平分成若干类别,试图解释公平的本质特点和公平两字的实质内涵。通过这样的分类,可更深刻理解我国住房公积金不公平性的本质所在,并进而提出相应的对策和措施。本文把公平分为“利益-分配型”公平、“操作-程序型”公平和“权利-规则型”公平,利益分配型公平顾名思义就是利益的分配是否公平,反映在住房公积金上,就是住房公积金这项住房优惠政策是否公平的覆盖到应该覆盖到的人群；操作程序性公平主要分析了我国住房公积金的增值收益是否按照公平的原则进行分配以及其分配的过程即操作的程序是否公平；权利规则型公平的住房公积金要求我国居民都有申请住房公积金贷款的权利,并且按照同样的规则参与住房公积金制度。最后,本文提出了改善我国住房公积金不公平问题的路径选择,主要包括：1、应进一步扩大住房公积金的覆盖面以实现其机会公平和确定灵活的缴交基数和缴交比例以实现起点公平,从而达到住房公积金的利益分配型公平。2、应优化公积金增值收益的分配机制以达到原则公平和改善住房公积金增值收益计提方式以实现操作公平,从而达到住房公积金的操作程序型公平。3、应该完善住房公积金的贷款标准以达到权利公平和健全住房公积金存贷机制及拓宽其用途以实现规则公平,从而达到住房公积金的权利规则型公平。
[Abstract]:As one of the new three big mountains, the housing problem has always been the focus of attention. As an important part of the housing system of our country, the housing accumulation fund has also received great attention. With the reform of the housing system of our country from physical distribution to monetization distribution, The housing accumulation fund has made a great contribution to the steady progress of this housing reform, and has played a very good role in ensuring the housing of urban workers in our country. However, in the process of development, it also has many areas that need to be improved. In particular, the housing accumulation fund can be stable and healthy development of the equity issue. By reviewing the background and development of housing accumulation fund in China, this paper discusses its basic nature and characteristics, its function orientation and operation management mode. It is concluded that the housing accumulation fund has the dual function of housing security and housing finance. Based on the relevant theories of western economics and the methods of qualitative and quantitative analysis and normative research, this paper studies the unfairness of housing accumulation fund in China. This paper is not limited to the comparative analysis of the concept or concept of equity, but from the reality of the fair into a number of categories, trying to explain the essential characteristics of fairness and the essence of the word fair connotation. Through this classification, we can better understand the essence of the unfairness of the housing accumulation fund in our country, and then put forward the corresponding countermeasures and measures. This paper divides fairness into "benefit-distributive" fairness, "operation-procedure" equity and "rights-rule" fairness. The equity of benefit distribution is, by definition, whether the distribution of interests is fair, which is reflected in the housing accumulation fund. Is housing provident fund this housing preferential policy fair coverage to the population that should be covered; The procedural fairness of operation mainly analyzes whether the value-added income of housing accumulation fund in our country is distributed according to the principle of fairness and whether the process of distribution is fair or not. The right rule type fair housing accumulation fund requires our country resident to have the right to apply for the housing accumulation fund loan, and participates in the housing accumulation fund system according to the same rule. Finally, this paper puts forward the path choice to improve the unfair problem of housing accumulation fund in our country. Mainly including: 1, the coverage of the housing provident fund should be further expanded in order to achieve its fair opportunity and to establish a flexible base and proportion of contributions in order to achieve a fair starting point. In order to achieve the equity of benefit distribution of housing provident fund, we should optimize the distribution mechanism of value-added income of the accumulation fund in order to achieve principle fairness and improve the method of calculating and collecting value-added income of housing provident fund in order to realize the fairness of operation. In order to achieve the operation procedure equity of housing accumulation fund, we should perfect the loan standard of housing accumulation fund to achieve equity of rights, perfect deposit and loan mechanism of housing accumulation fund and broaden its use to realize fair rules. Thus, the right to achieve housing accumulation fund rules of fairness.
【学位授予单位】：华中师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.233.4

【参考文献】