论我国住房公积金制度运行机制与完善对策

发布时间：2018-06-19 08:05

本文选题：住房公积金制度 + 住房金融体系　；参考：《辽宁师范大学》2014年硕士论文

【摘要】：住房问题一直是困扰社会安定团结、繁荣发展的最为主要的问题。随着我国经济的不断发展，经济实力不断增强，，社会上两极分化的现象也趋于明显。有的人拥有多套住房，而有的人则连首套属于自己的住房都没有。如果任由该种现象发展而不加以控制，社会就不会稳定繁荣，社会不稳定，国家何以发展？国家不发展，何以强大？所以，为了解决这一系列问题，我国决定建立为解决职工购买住房困难的制度—住房公积金制度产生了。而本篇论文则对我国现行公积金制度做了简要的介绍。首先从公积金的含义与其相应的职能、建立公积金的原因及其在社会上所起到的作用、住房公积金的相关机制与监管、公积金的发展历程等方面对我国公积金制度做了一下简单的介绍。其次对我国现行的公积金制度的管理与运作方式做了简单的介绍，具体从缴存、提取与使用、增值收益的相关分配、贷款申请的相关事宜、所面临的风险及相应的应对方法及监管法律建设方面做了阐明。再次，借鉴了国外发达国家较为成功的住房金融体系的经验，用于我们资金的制度中，更好的解决职工购买住房困难的问题，更好的促进我国相关住房体系的发展与完善，更好的为社会安定繁荣做贡献，更好的实现社会公平的目的。最后，指出了我国现行公积金制度所存在的瑕疵及相应的完善对策，具体分析了社会与经济的变革对公积金制度所产生的影响，并指出了公积金早管理、风险控制及增值收益分配等方面所存在的问题，并从宏观与微观两个方面提出了相应的完善对策，而且也提出了一些新的投资渠道的选择。
[Abstract]:The housing problem has always been the most important problem that puzzles the stability, unity and prosperity of the society. With the continuous development of our economy, the economic strength is increasing, and the polarization of the society is becoming obvious. Some people have multiple housing and some people have not the first set of their own housing. Without the control, the society will not be stable and prosperous, the society is unstable, how the state develops? How strong the state is not developing? So, in order to solve this series of problems, our country decided to establish the system of housing accumulation fund for the workers to buy housing difficulties.
This paper gives a brief introduction to the current provident fund system in China. First of all, from the meaning of the provident fund and its corresponding functions, the reasons for the establishment of the provident fund and its role in the society, the relevant mechanisms and supervision of the housing provident fund, the development of the provident fund and other aspects have been done to our provident fund system briefly. Secondly, a brief introduction is made to the management and operation mode of the current provident fund system in China, specifically from the payment, the extraction and use, the related distribution of value-added income, the related matters of the loan application, the risks faced, the corresponding coping methods and the construction of the supervision law. The experience of the successful housing financial system, in the system of our funds, to better solve the problem of housing difficulties for workers and workers, to better promote the development and improvement of the related housing system in our country, better contribute to social stability and prosperity, and better achieve the purpose of social fairness. Finally, it points out the current provident fund system in China. The existence of defects and corresponding countermeasures, specific analysis of the social and economic changes in the accumulation of provident fund system, and points out the existing problems of the early management of provident fund, risk control and the distribution of value-added income, and put forward some corresponding countermeasures from two aspects of macro and micro, and also put forward some of them. The choice of new investment channels.
【学位授予单位】：辽宁师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.233.4

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