东莞市住房公积金扩面工作研究

发布时间：2019-04-01 15:05

【摘要】：安居方能乐业,住房问题是国家政府高度重视的民生问题、社会问题、经济问题,关系着我国现代化建设的大局。东莞市作为经济大市,庞大的外来务工人员给东莞的社会管理带来了很多困难,住房公积金就是其中之一。东莞市可纳入住房公积金保障体系的人口高达400多万,但真正缴存住房公积金的人口却只有100来万人,住房公积金扩面工作任重而道远。完善东莞市住房公积金扩面工作,不仅能保障和维护职工的合法权益,也能促进东莞市经济的平稳发展、社会的和谐稳定。近几年来,东莞市政府加大了对住房公积金的支持力度,并积极开展扩大住房公积金覆盖面的工作,取得了一定的成效,同时也发现了很多问题。鉴于这一现状,探讨东莞市住房公积金扩面工作的问题和对策就变得极为迫切。本文着眼于东莞市住房公积金扩面工作的完善,结合东莞市住房公积金扩面工作的实践,分析东莞市住房公积金扩面工作存在的问题和困难,为完善东莞市住房公积金扩面工作建言献策。首先,文章对住房公积金扩面工作概念和理论基础进行了阐述。住房公积金、住房公积金覆盖面是论文的核心概念,明确了它们的内涵和外延是论文研究得以顺利进行的前提。社会保障理论与新公共服务理论是论文研究的理论基础,只有厘清它们的理论内涵和作用,才能为问题的深入分析和对策的提出提供锐利的武器。其次,阐述了东莞市住房公积金扩面工作的现状及存在的问题。东莞市住房公积金覆盖率还不到25%,缴纳人数少、劳资纠纷普遍、职工维权意识淡薄、服务质量不高是当前存在的主要问题。再次,分析了东莞市住房公积金扩面工作存在问题的原因。主要包括：政府对扩面工作重视程度不够；行政执法力度不强；非公有制企业违法欠缴严重；住房公积金业务系统落后。这些原因将为下一步的对策建议提供依据。最后,为完善东莞市住房公积金扩面工作,提出了一系列对策建议：(一)加强住房公积金制度扩面——加强住房公积金法治建设,突破重点企业树立扩面典型,增强扩面工作的灵活性和循序渐进式原则；(二)加大督促缴存和行政执法力度——启动行政处罚机制,加强行政执法催缴,妥善处理群体性追缴事件；(三)有针对性地开展住房公积金宣传——突出住房公积金宣传重点,创新住房公积金宣传方式；(四)提高住房公积金服务质量与效能——精简业务办理程序,改革住房公积金贷款模式,转变业务委托管理模式,加强行政服务效能建设,加快住房公积金业务管理信息系统建设。本文对东莞市住房公积金扩面工作的探讨,旨在为完善当前的扩面工作提供建议,特别是在政策、执法、宣传、业务等存在不足的地方能够得到改正提升,从而提升东莞市住房公积金扩面工作的工作实效,真正发挥住房公积金作为国家政策性个人住房贷款的优势,为推进东莞市转型升级、建设幸福东莞发挥积极作用。
[Abstract]:The housing problem is the problem of the people's life, the social problems and the economic problems which the state government attaches great importance to, and it is the overall situation of our country's modernization construction. As an economic city in Dongguan, the huge foreign workers have brought many difficulties to the social management of Dongguan, and the housing accumulation fund is one of them. The housing provident fund guarantee system has a population of up to more than 4 million, but the real deposit of the housing accumulation fund is only 1 million, and the housing accumulation fund has a long way to go. It is not only able to safeguard and safeguard the legitimate rights and interests of the employees, but also to promote the smooth development of the Dongguan economy and the harmonious and stable society. In recent years, the government of Dongguan has increased its support to the housing accumulation fund, and has actively carried out the work of expanding the coverage of the housing accumulation fund, and has made some achievements, and has also found a lot of problems. In view of the present situation, it is very urgent to explore the problems and countermeasures of the expansion of the housing accumulation fund in Dongguan. This paper is based on the improvement of Dongguan's housing accumulation fund, combined with the practice of the extension of the housing accumulation fund in Dongguan, analyzes the problems and difficulties existing in the expansion of the housing accumulation fund in Dongguan, and provides suggestions for the improvement of the housing accumulation fund in Dongguan. First, the paper expounds the concept and the theoretical basis of the expansion of the housing accumulation fund. The coverage of housing provident fund and housing accumulation fund is the core concept of the paper, and it is clear that their connotation and extension are the premise of the research of the paper. The theory of social security and the theory of new public service are the theoretical basis of the research of the thesis. Only by clarifying their theoretical connotation and function, can we provide a sharp weapon for the in-depth analysis of the problem and the countermeasures. Secondly, the present situation and existing problems of the expansion face of the housing accumulation fund in Dongguan are described. The coverage rate of the housing accumulation fund in Dongguan is not less than 25%, the number of payment is small, labor disputes are widespread, and the awareness of the worker's rights protection is light and the quality of service is not high. Thirdly, this paper analyzes the reasons of the existing problems in the expansion of the housing accumulation fund in Dongguan. It mainly includes: the government's attention to the expanding work is not enough; the strength of the administrative law enforcement is not strong; the non-public enterprises are in arrears; the housing accumulation fund business system is backward. These are based on the recommendations of the next step. In the end, in order to improve the expansion of the housing accumulation fund in Dongguan, a series of countermeasures are put forward: (1) to strengthen the construction of the housing accumulation fund system, to strengthen the rule of law construction of the housing accumulation fund, to break through the key enterprises to set up a typical expansion face, to enhance the flexibility and step-by-step principle of the expansion work; (2) To strengthen the supervision and supervision of the payment and deposit and the administrative law enforcement; to start the administrative penalty mechanism, to strengthen the payment of the administrative law enforcement and to properly handle the incident of mass recovery; (3) to carry out the publicity of the housing accumulation fund in a targeted manner, to highlight the publicity focus of the housing accumulation fund and to innovate the publicity method of the housing accumulation fund; (4) To improve the quality and efficiency of the housing provident fund, streamline the business process, reform the loan mode of the housing accumulation fund, change the business delegation management mode, strengthen the efficiency construction of the administrative service, and accelerate the construction of the housing accumulation fund business management information system. This paper discusses the expansion of the housing accumulation fund in Dongguan, and aims at providing some suggestions for improving the current face-expanding work, especially in the areas where there are insufficient policies, law enforcement, publicity and business, so as to improve the working efficiency of the housing accumulation fund expansion in Dongguan, As the advantage of the national policy-based individual housing loan, the real housing accumulation fund will play an active role in promoting the transformation and upgrading of Dongguan and building the well-being and Dongguan.
【学位授予单位】：广西师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.23;F832.479

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