论法律层面上住房公积金监管问题

住房公积金制度是我国的一种社会保障制度。关于住房公积金的监管存在不足之处，主要体现在三个方面：管理监督机构的法律地位不明确，风险防范系数低；法律制度缺少可操作性；地区、收入差距大，缺乏度量标准，监管难度大。完善住房公积金监管，需要明确管理机构的法律地位，弱化其行政化色彩；从法律层面上明确监管的程序，增强其操作性；加强住房公积金使用的法律监督。

LegaL Research on SuPerVision and Management of Housing proVident Fund

Housing provident fund system is a social security system of China. There exist regulation deficiencies on housing provident fund mainly in three aspects:unclear legal status of regulatory and oversight units,low coefficient of risk prevention, legal system’s lack of maneuverability,regional income disparities,lack of metrics,regulatory difficulties. Regulators need to improve the clear legal status of the housing provident fund management institutions,weaken its administrative color,make clear the monitoring procedures,enhance its maneuverability,strengthen supervision and use of housing provident fund.