节点文献
我国现行住房公积金制度的缺陷分析及其对策研究
【作者】 李宁；
【导师】 赵秀池；
【作者基本信息】 首都经济贸易大学 ， 区域经济学， 2008， 硕士
【摘要】 住房公积金制度是我国城镇住房制度改革中一项为解决职工购房困难的一种义务性、长期储金制度,是对市场化住房分配机制的必要补充,也是国家社会政策与社会保障制度的重要组成部分。住房公积金制度具有政策性资金的优势,在解决职工住房问题上发挥着重要作用,是一项利国惠民的政策。加强住房公积金管理工作,是完善我国住房制度,建立符合中国国情的城镇住房保障体系,提高城镇职工的住房消费能力,维护广大职工的合法权益,构建和谐社会的重要举措。本论文在参与相关课题实践和对收集大量资料进行研究分析的基础上,对住房公积金制度的概念、性质与特点进行了详细的阐述,并回顾了我国住房公积金制度的发展历程;针对我国现行住房公积金制度的现状,对其存在的缺陷进行了较为详细的分析和讨论;通过分析美国、英国、新加坡等国家的住房制度、贷款制度、住房金融制度和住房保障制度,指出了值得我国住房公积金制度建设与完善过程中借鉴的先进经验和具体做法。文章最后提出了一些完善我国现行住房公积金制度的对策和建议。
【Abstract】 The housing accumulation fund system is a kind of obligatory, long-term savings System to solve workers’ difficult of buying houses in urban housing system reform of our country, it is the essential supplement to the market-based house distribution mechanism, it is also the important component of the national social policy and the social security system. Housing accumulation fund system has the advantage of funding policy, and it plays an important role in solving workers’ housing problems. It’s a guaranteed policy for the people. It’s an important measure to build a harmonious society which strengthen housing accumulation funds management, and improve our housing system to establish urban housing security system in line with China’s national condition, to improve housing consumption and safeguard the legitimate rights and interests of workers.This paper is on the basis of participating in the related issues’ practice and analyzing amount of data to be collected, elaborating on urban housing provident fund system concept, the nature and characteristics and recalling our housing provident fund system development process. In view of the current status of housing provident fund system, the paper has the defects in a more detailed analysis and discussion. And through analysis of the United States, the United Kingdom, Singapore and other countries of the housing system, the system of loans, housing finance system and housing security system, it pointes out that China, which is building housing provident fund system and the process of improvement and learn from the advanced experience of the specific approach. The paper concludes with a number of perfecting China’s existing housing provident fund system responses and suggestions.