住房公积金制度改制为政策性住房金融机构的设想

住房公积金管理中心具有政策性住房金融机构的雏形。但住房公积金制度由于设计的制度性缺陷,无法承担政策性住房金融机构的功能。因此,住房公积金制度改制为政策性住房金融机构有其必要性。目前,构建政策性住房金融机构可以从以下几个方面入手:建立以政策性住房金融机构为主体的组织体系,形成完善的住房资金组织系统,构建完善的内外监管体系,发展多种金融工具,完善住房金融的风险分担与化解机制等。

Transition from Housing Accumulation Fund System to Policy Housing Financial System

Establishing policy housing financial system is one of the successful experiences of developed countries.In China,the lack of policy housing financial institution leads to unsteadiness of housing market and unsatisfied demand of common residents.Though housing accumulation fund management center has the rudimentary elements of policy housing financial institution,it can not fulfill the job perfectly.Therefore,it is necessary to promote the transition from current housing accumulation fund system to policy housing financial system.