我国住房公积金制度改进及其对策研究
发布时间：2018-08-06 20:10
【摘要】：住房公积金制度是结合我国国情建立和发展起来的社会住房金融保障制度，其根本目的是以市场化手段解决居民的住房需求，保障中低收入人群的住房权利。完善住房公积金制度，推动住房金融专业化、促进住房保障事业的发展关系到我国社会主义事业的长治久安。 自1991年建立以来，，住房公积金制度通过职工和单位共同缴存公积金，形成使低息、长期的住房公积金贷款,成为解决职工住房问题的有效途径，改变了职工长期以来依靠国家、单位实物分房住房福利制度；同时，归集的沉淀资金，为保障房的兴建提供了资金支持，解决了低收入家庭的住房困难。但现有住房公积金制度仍面临很多问题，也常被人诟病，政府决策者时时处于两难困境。 本文运用定性分析、比较分析与案例分析相结合的研究方法，对我国住房公积金制度的形成、发展和问题进行了研究。首先对我国住房公积金制度的发展和面临的风险进行了分析；然后对新加坡、德国、英国的住房保障制度进行介绍并提炼出值得借鉴的内容；进而分析了我国目前住房公积金制度在管理制度与运营制度中存在的问题，最后提出解决这些问题的有效对策及建议。
[Abstract]:The housing accumulation fund system is a social housing financial security system established and developed in combination with the national conditions of our country. Its fundamental purpose is to solve the housing needs of the residents by means of marketization and to protect the housing rights of the middle and low income groups. Perfecting the system of housing accumulation fund, promoting the specialization of housing finance and promoting the development of housing security are related to the long-term stability of the socialist cause of our country. Since its establishment in 1991, the housing provident fund system has formed a low-interest, long-term housing provident fund loan through the joint payment of the accumulation fund by the workers and the units. It has become an effective way to solve the housing problem of the workers and staff, and has changed the workers' reliance on the state for a long time. At the same time, the accumulated funds provide financial support for the construction of indemnificatory apartment and solve the housing difficulties of low-income families. But the existing housing provident fund system still faces many problems, is often criticized, government policy makers are always in a dilemma. Based on qualitative analysis, comparative analysis and case study, this paper studies the formation, development and problems of housing provident fund system in China. Firstly, it analyzes the development and risk of housing accumulation fund system in our country, then introduces the housing security system of Singapore, Germany and Britain and abstracts the content worth learning from it. Then it analyzes the problems existing in the management system and operation system of the current housing accumulation fund system in our country, and finally puts forward some effective countermeasures and suggestions to solve these problems.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F299.233.4
本文编号：2168859
[Abstract]:The housing accumulation fund system is a social housing financial security system established and developed in combination with the national conditions of our country. Its fundamental purpose is to solve the housing needs of the residents by means of marketization and to protect the housing rights of the middle and low income groups. Perfecting the system of housing accumulation fund, promoting the specialization of housing finance and promoting the development of housing security are related to the long-term stability of the socialist cause of our country. Since its establishment in 1991, the housing provident fund system has formed a low-interest, long-term housing provident fund loan through the joint payment of the accumulation fund by the workers and the units. It has become an effective way to solve the housing problem of the workers and staff, and has changed the workers' reliance on the state for a long time. At the same time, the accumulated funds provide financial support for the construction of indemnificatory apartment and solve the housing difficulties of low-income families. But the existing housing provident fund system still faces many problems, is often criticized, government policy makers are always in a dilemma. Based on qualitative analysis, comparative analysis and case study, this paper studies the formation, development and problems of housing provident fund system in China. Firstly, it analyzes the development and risk of housing accumulation fund system in our country, then introduces the housing security system of Singapore, Germany and Britain and abstracts the content worth learning from it. Then it analyzes the problems existing in the management system and operation system of the current housing accumulation fund system in our country, and finally puts forward some effective countermeasures and suggestions to solve these problems.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F299.233.4
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本文编号：2168859
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