我国住房公积金制度实施中的问题及对策研究

发布时间：2018-04-13 22:17

本文选题：住房 + 公积金　；参考：《云南大学》2014年硕士论文

【摘要】：住房公积金制度是一项强制性的长期住房储金制度,它是为了解决城镇职工的住房问题,而形成的一种为广大中低收入家庭提供购房融资的渠道。住房公积金制度经历了二十几年的不断发展与完善,取得了卓越的成果,但是,住房公积金制度本身建设上还是存在着一些缺陷：缴存机制的覆盖面小和缴存额度的设计缺陷；贷款政策及受益群体的限制；投资渠道狭窄与资金保值增值的矛盾；利率控制的低存低贷现象；中心定位两难境界和监管缺失问题等等。这些问题的日益暴露一方面说明了住房公积金制度已经到了势必改革的必要阶段,另一方面也说明了人们对住房公积金制度功能的期望和要求越来越高。本文拟以住房公积金制度运作模式和过程为主要研究对象,突出实践操作与理论研究相结合,对现有住房公积金制度的运行过程和机制中存在的问题进行详细的分析和研究,找出问题和不足,并结合公共管理的相关理论和应用,提出改进意见和对策,从而达到理论指导实践的目的,完善和改进住房公积金制度。
[Abstract]:The housing accumulation fund system is a mandatory long-term housing fund system, it is to solve the housing problem of urban workers, and formed for the majority of low- and middle-income families to provide housing financing channels.The housing provident fund system has experienced more than 20 years of continuous development and perfection, and has achieved remarkable results. However, there are still some defects in the construction of the housing provident fund system: the coverage of the deposit mechanism is small and the design of the deposit quota is defective;The restriction of loan policy and benefit group; the contradiction between narrow investment channel and capital preservation and increment; low deposit and low loan phenomenon of interest rate control; the dilemma of central orientation and lack of supervision and so on.The increasing exposure of these problems on the one hand shows that the housing provident fund system has reached the necessary stage of reform, on the other hand, it also shows that people have higher and higher expectations and requirements for the function of the housing provident fund system.This paper takes the operation mode and process of housing accumulation fund system as the main research object, emphasizes the combination of practical operation and theoretical research, and makes a detailed analysis and research on the problems existing in the operation process and mechanism of the existing housing accumulation fund system.Find out the problems and shortcomings, and combine with the relevant theory and application of public management, put forward the improvement suggestions and countermeasures, so as to achieve the purpose of theoretical guidance and practice, improve and improve the housing provident fund system.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.233.4

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