上海市住房公积金制度的公平性研究
发布时间：2019-01-06 18:25
【摘要】：住房公积金制度发源于90年代初的上海，曾在全国的住房制度改革中，发挥了巨大的作用。但随着住房公积金制度的持续运行，其制度弊端也日渐显现，尤其是关于制度运行中存在的不公平问题，，一直广受诟病。虽然2010年开始，国务院出台调控房价的限购限贷政策，极大缓解了住房公积金在提取、贷款方面的不公平现象。但是，住房公积金其他方面存在的不公平现象仍然存在。 本文依据互助理论，阐述了住房公积金制度运作的理论基础；依据公平理论阐述了住房公积金制度公平性的含义及理论基础，并从制度设计和运行结果两个角度，分别建立了住房公积金制度准入环节、缴存环节和受益环节公平性分析的逻辑框架；依据委托代理理论阐明影响住房公积金制度公平性的因素，提出决策有效性、制度透明度与制度公平性的共生关系。 本文利用建立的分析框架，对上海市住房公积金制度的公平性进行实证分析，指出上海市住房公积金制度在准入环节存在准入障碍；在缴存环节，补充公积金放大了政策的不公平程度；在受益环节，部分增值收益的受益对象是非缴存者，贷款风险准备金提取比例及金额欠合理，且其归属权未进行明确。同时，本文指出住房公积金在准入、缴存和受益环节的相关信息均未能完全公开透明，这是住房公积金制度公平性问题产生的体制根源。 最后，本文从实践操作的角度，针对性的提出了制度改进的思路及建议。
[Abstract]:The housing accumulation fund system, which originated in Shanghai in the early 1990s, has played a great role in the reform of housing system in China. However, with the continuous operation of the housing provident fund system, its system malpractice also appears day by day, especially about the unfair problems existing in the system operation, has been widely criticized. Although since 2010, the State Council has introduced a policy to limit the purchase and loan of housing prices, which has greatly alleviated the unfair phenomenon of withdrawal and loan of housing provident fund. However, other aspects of housing provident fund exist unfair phenomenon still exists. Based on the theory of mutual aid, this paper expounds the theoretical basis of the operation of housing provident fund system. Based on the fairness theory, this paper expounds the meaning and theoretical basis of the fairness of the housing provident fund system, and establishes the admission link of the housing provident fund system from the two angles of system design and operation result. The logical framework of fairness analysis of deposit and benefit links; Based on the principal-agent theory, this paper clarifies the factors that affect the fairness of the housing provident fund system, and puts forward the symbiotic relationship among decision-making effectiveness, institutional transparency and institutional fairness. This paper makes an empirical analysis of the equity of the housing accumulation fund system in Shanghai by using the established analysis framework, and points out that there are barriers to the entry of the housing accumulation fund system in Shanghai. In the paid-in link, the supplementary provident fund magnifies the unfair degree of the policy; in the beneficial link, the beneficiary of part of the value-added income is non-paid-up, the proportion and amount of the loan risk reserve is unreasonable, and its ownership right is not clear. At the same time, this paper points out that the relevant information of the admission, deposit and benefit of the housing accumulation fund is not completely open and transparent, which is the institutional root of the fairness of the housing accumulation fund system. Finally, from the perspective of practical operation, this paper puts forward the ideas and suggestions of system improvement.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.23
本文编号：2403161
[Abstract]:The housing accumulation fund system, which originated in Shanghai in the early 1990s, has played a great role in the reform of housing system in China. However, with the continuous operation of the housing provident fund system, its system malpractice also appears day by day, especially about the unfair problems existing in the system operation, has been widely criticized. Although since 2010, the State Council has introduced a policy to limit the purchase and loan of housing prices, which has greatly alleviated the unfair phenomenon of withdrawal and loan of housing provident fund. However, other aspects of housing provident fund exist unfair phenomenon still exists. Based on the theory of mutual aid, this paper expounds the theoretical basis of the operation of housing provident fund system. Based on the fairness theory, this paper expounds the meaning and theoretical basis of the fairness of the housing provident fund system, and establishes the admission link of the housing provident fund system from the two angles of system design and operation result. The logical framework of fairness analysis of deposit and benefit links; Based on the principal-agent theory, this paper clarifies the factors that affect the fairness of the housing provident fund system, and puts forward the symbiotic relationship among decision-making effectiveness, institutional transparency and institutional fairness. This paper makes an empirical analysis of the equity of the housing accumulation fund system in Shanghai by using the established analysis framework, and points out that there are barriers to the entry of the housing accumulation fund system in Shanghai. In the paid-in link, the supplementary provident fund magnifies the unfair degree of the policy; in the beneficial link, the beneficiary of part of the value-added income is non-paid-up, the proportion and amount of the loan risk reserve is unreasonable, and its ownership right is not clear. At the same time, this paper points out that the relevant information of the admission, deposit and benefit of the housing accumulation fund is not completely open and transparent, which is the institutional root of the fairness of the housing accumulation fund system. Finally, from the perspective of practical operation, this paper puts forward the ideas and suggestions of system improvement.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.23
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