住房公积金亟待破解制度瓶颈

住房公积金制度是我国政府为解决职工家庭住房问题,主要借鉴新加坡的成功经验,于1994年开始在我国全面推行的一种政策性融资渠道。但通过十几年的实际运行结果来看,效果并不明显,不仅丧失了其对中低收入阶层的住房保障功能,而且进一步拉大了贫富差距。应采取公积金和养老保险相结合的反按揭模式等相关对策,使公积金制度真正惠及广大中低收入者。

Housing Accumulation Fund Needs Cracking the Institutional Bottleneck

Housing accumulation fund system is a kind of China's policy of financing channels which Chinese government, mainly drew on the successful experience of Singapore in 1994 and began a full implementation to resolve the housing problems of family workers.But from the results of actual operation over the past few years,the effect is not obvious.It has not only the lost of its housing security function for the low-income,but also further widen the gap between rich and poor.For the specific problems that arise in the operation of housing fund,this paper presents that the government should adopt the response measures such as the mode of anti-mortgage-related which combine the Housing Fund and the old-age insurance,so that the provident fund system can really benefit the middle and low income.