现行住宅消费信贷制度评价与法律思考

发布时间：2019-08-17 15:33

【摘要】：住房公积金主要目的之一是用于城镇居民自住房屋消费的贷款,解决居民自住房屋的资金问题。在实践中,大量的住房公积金资金被闲置或者用在个人消费贷款以外的方面,住房公积金实际用于个人消费方面的使用率低下。本文建议国家通过权力机关立法、扩大住房公积金个人消费贷款对象覆盖范围以及调整住房公积金个人消费贷款条件,完善我国住房公积金个人消费信贷制度。
[Abstract]:One of the main purposes of housing provident fund is to use loans for urban residents to live in their own housing, and to solve the problem of funds for residents to live in their own housing. In practice, a large number of housing provident fund funds are idle or used in addition to personal consumption loans, the actual use of housing provident fund for personal consumption is low. This paper suggests that the state should extend the coverage of individual consumption loans of housing provident fund and adjust the conditions of personal consumption loan of housing provident fund through the legislation of power organs, so as to perfect the personal consumption credit system of housing provident fund in our country.
【作者单位】：陕西广播电视大学公共管理系;
【分类号】：D922.181;F293.3

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