住房公积金存在问题及解决方案 毕业论文.doc

住房公积金存在问题及解决方案 摘 要 住房公积金制度实际上是一种住房保障制度，是住房分配货币化的一种形式。单位为职工缴存的住房公积金是职工工资的组成部分，单位为职工缴存住房公积金是单位的义务，享受住房公积金政策是职工的合法权利。我国的住房公积金制度发展到今天,制度建设不断完善。为我国的住房分配方式由实物分配向货币分配转变,为住房消费提供融资渠道等方面作出了很大的贡献。由于制度设置和其他方面的原因,我国住房公积金制度在公积金缴存、贷款和监督等方面还存在一些不足The Existing Problems and Solutions of Housing Accumulation Fund ABSTRACT System of housing accumulation fund is actually a kind of housing guarantee system, is the housing assignmentcurrency one kind of form. The unit puts for worker housing accumulation fund is the component of worker pay, the housing accumulation fund that the unit puts for worker is compulsory, enjoy unit housing accumulation fund policy is the legal right of the worker. Chinas system of housing accumulation fund to today, the system construction of continuous improvement. For Chinas housing distribution of physical distribution to monetary allocation for housing consumption, provide financing channels, etc make great contribution. With the scale enlargement of collection, due to the system Settings and other reasons, Chinas system of housing accumulation fund capture puts accumulation fund loan in supervision and etc, there still exist some deficiencies, housing accumulation fund business potential problem becomes more and more obvious. Based on the housing accumulation fund system are analysed, and the corresponding countermeasures were put forward. As a kind of housing accumulation fund to social security system can really play its role, solve the problems of low-income housing. KEY WORDS: housing accumulation fund，ousing system，ensuresupervise 目　录 前　言 1 第1章 住房公积金概论 2 1.1 住房公积金的定义 2 1.2 住房公积金的性质 2 1.3 住房公积金的特点 2 1.4 住房公积金的用途 3 第2章 住房公积金存在问题 4 2.1 住房公积金制度存在问题 4 2.1.1 住房公积金制度存在问题 4 2.1.2 住房公积金覆盖率不合理 4 2.1.3 住房公积金归集制度不健全 5 2.2 住房公积金缴存出现的问题 6 2.2.1 缴存率差距明显 6 2.2.2 缴存基数差异大 6 2.3 住房公积金使用出现的问题 6 2.3.1 住房公积金受益面发生偏差 7 2.3.2 住房公积金覆盖面过于狭窄 7 2.3.3 住房公积金使用效率不高 9 第3章 新加坡住房公积金制度的借鉴 10 第4章 促使我国住房公积金健康发展的策略 12 4.1 完善住房公积金的制度 12 4.1.1 强化住房公积金归集手段 12 4.1.2 促进中低收入居民住房保障 12 4.1.3 完善住