山西省住房公积金贷款问题研究

发布时间：2018-01-01 19:33

本文关键词：山西省住房公积金贷款问题研究　出处：《山西财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：我国住房公积金制度是在20世纪90年代初期国内住房制度改革的浪潮中建立起来的。经过二十几年的发展，住房公积金制度的已经得到不断完善，各项业务得到稳步发展，不仅积累了大量的住房资金，而且在解决居民住房问题、支持居民住房保障、增加住房供应和加快住房金融发展等诸多方面发挥了重要作用。我国住房公积金贷款是指商业银行受住房公积金管理中心的委托，向缴纳住房公积金的在职职工发放的住房消费贷款。自住房公积金制度建立以来，住房公积金贷款便成为住房公积金制度中最复杂、最重要的一项业务。住房公积金贷款经过20多年的发展与改革，以其“低存低贷”的优势与商业银行贷款共同筑起中国的住房金融体系，对帮助我国广大职工家庭解决住房问题发挥了积极作用。山西省早在1992年就建立了住房公积金制度，为全省公积金贷款的健康发展提供了基础。伴随着住房公积金制度的发展，山西省住房公积金贷款一直以来呈现增长的趋势，住房公积金贷款额度逐年增加。尽管住房公积金贷款得到重视和利用，其仍存在个人贷款率偏低、贷款逾期率高和发展不均衡等诸多问题，这些问题主要是由于住房公积金覆盖率低、贷款手续繁琐等原因造成的。因此，我们应当从完善公积金制度、加强住房公积金管理中心职责、提高贷款业务发展及加强公积金贷款风险管理等方面入手，从而不断提高山西省住房公积金使用效率，降低公积金贷款风险。
[Abstract]:China's housing provident fund system was established in the beginning of 1990s in the wave of domestic housing system reform. After more than 20 years of development, the housing provident fund system has been constantly improved. Business has been steadily developed, not only accumulated a large number of housing funds, but also to solve the housing problem and support the housing security of residents. Increase housing supply and accelerate housing finance development and many other aspects have played an important role. Our country housing accumulation fund loan is the commercial bank receives the housing accumulation fund management center's entrustment, to pay the housing provident fund's on-the-job worker to issue the housing consumptive loan. Since the housing accumulation fund system established. Housing provident fund loan has become the most complex and important business in the housing provident fund system. Housing provident fund loan has been developed and reformed for more than 20 years. With its advantage of "low deposit and low loan" and commercial bank loans, the housing finance system of China has been built, which has played a positive role in helping the families of workers and staff to solve the housing problem. Shanxi Province established the housing provident fund system as early as 1992, which provided the foundation for the healthy development of the province's provident fund loan, and accompanied by the development of the housing provident fund system. Shanxi housing provident fund loans have been showing a growing trend, housing provident fund loans increased year by year. Although housing provident fund loans have been attached importance to and use, there is still a low personal loan rate. Many problems, such as high overdue rate of loans and uneven development, are mainly caused by low coverage of housing provident fund and cumbersome loan procedures. Therefore, we should improve the system of provident fund. Strengthening the responsibility of housing accumulation fund management center, improving the development of loan business and strengthening the risk management of accumulation fund loan, so as to continuously improve the efficiency of Shanxi housing provident fund and reduce the risk of accumulation fund loan.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.45

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