阳泉市住房公积金资金使用效率研究
发布时间：2018-10-31 21:28
【摘要】：在我国,住房公积金制度是一项十分重要的住房金融保障制度。该项制度的确定,充分借鉴了新加坡政府出台的中央公积金制度,并在此基础上做出了很大创新。它是一种住房金融制度,同时也是一种住房保障制度。我国住房公积金制度在保障职工住房方面取得了非常好的效果,但是由于各种因素,住房公积金制度的发展也暴露出很多问题。阳泉市住房公积金管理中心结合地区实情和国家政策规定,在公积金缴存比例、扩大覆盖面、放宽提取条件、加强贷款管理等方面做了很多政策上的完善和探索。对住房公积金资金使用效率进行系统分析,对住房公积金制度未来的建设方向,如何设计住房公积金政策和健全公积金制度、住房保障两项体系有着重要的指导作用。本文重点研究住房公积金资金的使用效率,即从住房公积金资金的投入-产出角度对阳泉市住房公积金使用效率作一评价。根据住房公积金的投入主要来源于资金的缴存,住房公积金的产出情况主要包括提取、贷款、购买国债、沉淀资金等,可以将评价住房公积金资金使用效率的指标分为投入指标和产出指标,以此构建住房公积金资金使用效率评价指标体系。结合阳泉市住房公积金具体数据,从住房公积金缴存、提取、贷款、购买国债等方面对阳泉市和山西省的住房公积金资金使用情况作详细对比,得出阳泉市住房公积金资金使用率、运用率和沉淀率均优于全省平均水平,但仍然存在使用效率不高,资金沉淀率没有明显降低的问题,未来仍需在提高资金使用效率和降低资金沉淀率方面加大力度。运用熵值法对2008-2014年阳泉市住房公积金资金使用效率指标确定权重,得出阳泉市住房公积金各年使用效率的综合得分。发现自2011年以来住房公积金资金使用效率总体呈上升趋势,但仍存在住房公积金覆盖率不高、个贷情况波动明显,资金投资和保值增值方面的效率有待进一步提升的问题。针对这些问题,以住房市场、信贷政策、开发企业的积极性和消费者观念为切入点,分析了导致阳泉市住房公积金使用效率现状的原因,并在此基础上提出减少使用限制条件、扩大覆盖范围、增加住房公积金贷款业务种类、贷款利息偿还方式多样化和扩大资金投资渠道的建议。
[Abstract]:In our country, housing accumulation fund system is a very important housing financial security system. The determination of this system fully draws lessons from the central provident fund system issued by the Singapore government and makes great innovations on this basis. It is a housing financial system, but also a housing security system. The housing accumulation fund system of our country has obtained the very good result in the aspect of protecting the workers' housing, but because of various factors, the development of the housing accumulation fund system also exposed a lot of problems. The housing accumulation fund management center of Yangquan city has made a lot of policy perfection and exploration in such aspects as the proportion of the provident fund deposit, the expansion of the coverage, the relaxation of the extraction conditions, and the strengthening of the management of the loan, combined with the actual situation of the region and the state policy provisions. This paper makes a systematic analysis of the efficiency of the use of housing provident fund funds, and plays an important guiding role in the future construction direction of housing accumulation fund system, how to design housing accumulation fund policy and how to perfect the housing accumulation fund system and housing security system. This paper focuses on the efficiency of the use of housing provident fund, that is, from the point of view of the input-output of housing provident fund, the paper evaluates the utilization efficiency of housing accumulation fund in Yangquan city. According to the investment of the housing provident fund, which mainly comes from the deposit of funds, the output of the housing provident fund mainly includes withdrawal, loan, purchase of national debt, deposit of funds, etc. The index to evaluate the efficiency of the use of housing provident fund funds can be divided into input index and output index, so as to construct the evaluation index system of housing provident fund use efficiency. Combining with the specific data of the housing accumulation fund in Yangquan City, this paper makes a detailed comparison of the use of housing accumulation fund funds in Yangquan City and Shanxi Province from the aspects of housing accumulation fund deposit, withdrawal, loan, purchase of national debt, and so on. It is concluded that the utilization rate, utilization rate and precipitation rate of housing accumulation fund in Yangquan City are better than the average level of the whole province, but there are still problems of low efficiency and no obvious decrease in the rate of fund deposit. In the future, there is still a need to improve the efficiency of the use of funds and reduce the rate of capital deposition. The entropy method is used to determine the weight of the efficiency index of the housing accumulation fund in Yangquan from 2008 to 2014, and the comprehensive score of the use efficiency of the housing accumulation fund in Yangquan is obtained. It is found that the use efficiency of housing provident fund funds has been on the rise since 2011, but there are still some problems such as low coverage of housing accumulation fund, obvious fluctuation of individual loan situation, and the efficiency of capital investment and value preservation and increment need to be further improved. Aiming at these problems, taking housing market, credit policy, enthusiasm of developing enterprises and consumer concept as the starting point, this paper analyzes the reasons leading to the present situation of using efficiency of housing accumulation fund in Yangquan city, and puts forward the restriction condition of reducing the use of housing accumulation fund on this basis. To expand the coverage, to increase the types of housing provident fund loans, to diversify the way of repayment of loan interest and to expand the channels of capital investment.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F299.23;F832.479
[Abstract]:In our country, housing accumulation fund system is a very important housing financial security system. The determination of this system fully draws lessons from the central provident fund system issued by the Singapore government and makes great innovations on this basis. It is a housing financial system, but also a housing security system. The housing accumulation fund system of our country has obtained the very good result in the aspect of protecting the workers' housing, but because of various factors, the development of the housing accumulation fund system also exposed a lot of problems. The housing accumulation fund management center of Yangquan city has made a lot of policy perfection and exploration in such aspects as the proportion of the provident fund deposit, the expansion of the coverage, the relaxation of the extraction conditions, and the strengthening of the management of the loan, combined with the actual situation of the region and the state policy provisions. This paper makes a systematic analysis of the efficiency of the use of housing provident fund funds, and plays an important guiding role in the future construction direction of housing accumulation fund system, how to design housing accumulation fund policy and how to perfect the housing accumulation fund system and housing security system. This paper focuses on the efficiency of the use of housing provident fund, that is, from the point of view of the input-output of housing provident fund, the paper evaluates the utilization efficiency of housing accumulation fund in Yangquan city. According to the investment of the housing provident fund, which mainly comes from the deposit of funds, the output of the housing provident fund mainly includes withdrawal, loan, purchase of national debt, deposit of funds, etc. The index to evaluate the efficiency of the use of housing provident fund funds can be divided into input index and output index, so as to construct the evaluation index system of housing provident fund use efficiency. Combining with the specific data of the housing accumulation fund in Yangquan City, this paper makes a detailed comparison of the use of housing accumulation fund funds in Yangquan City and Shanxi Province from the aspects of housing accumulation fund deposit, withdrawal, loan, purchase of national debt, and so on. It is concluded that the utilization rate, utilization rate and precipitation rate of housing accumulation fund in Yangquan City are better than the average level of the whole province, but there are still problems of low efficiency and no obvious decrease in the rate of fund deposit. In the future, there is still a need to improve the efficiency of the use of funds and reduce the rate of capital deposition. The entropy method is used to determine the weight of the efficiency index of the housing accumulation fund in Yangquan from 2008 to 2014, and the comprehensive score of the use efficiency of the housing accumulation fund in Yangquan is obtained. It is found that the use efficiency of housing provident fund funds has been on the rise since 2011, but there are still some problems such as low coverage of housing accumulation fund, obvious fluctuation of individual loan situation, and the efficiency of capital investment and value preservation and increment need to be further improved. Aiming at these problems, taking housing market, credit policy, enthusiasm of developing enterprises and consumer concept as the starting point, this paper analyzes the reasons leading to the present situation of using efficiency of housing accumulation fund in Yangquan city, and puts forward the restriction condition of reducing the use of housing accumulation fund on this basis. To expand the coverage, to increase the types of housing provident fund loans, to diversify the way of repayment of loan interest and to expand the channels of capital investment.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F299.23;F832.479
【参考文献】
相关期刊论文 前10条
1 朱喜安;魏国栋;;熵值法中无量纲化方法优良标准的探讨[J];统计与决策;2015年02期
2 夏卫兵;李昕;;我国住房公积金管理效率研究[J];统计与决策;2014年21期
3 曹小红;;我国住房公积金融资及配贷机制相关问题研究[J];会计之友;2014年21期
4 何梦琳;;如何提高住房公积金的使用效率[J];北方经贸;2014年06期
5 劳杰聪;刘洪玉;;住房公积金沉淀资金存款收益优化研究[J];中国房地产;2013年20期
6 刘炳南;宋芳芳;邓虎;;西安市住房公积金运行效率实证研究[J];中国经贸导刊;2012年14期
7 曹育云;;试论提高我国住房公积金使用效率的有效途径[J];现代商业;2012年10期
8 车圣保;;效率理论述评[J];商业研究;2011年05期
9 马荣;;中国国有企业效率研究——基于全要素生产率增长及分解因素的分析[J];上海经济研究;2011年02期
10 田浩;;外部因素对住房公积金运作的影响分析——以天津市为例[J];环渤海经济w，
本文编号：2303614
本文链接：https://www.wllwen.com/jingjilunwen/touziyanjiulunwen/2303614.html
