论我国住房公积金制度的弊端及改革

住房公积金制度产生之初就备受争议,专家、学者以及百姓对之批评之声不断.具体而言,住房公积金制度的问题主要集中在制度设计的不规范和立法条文的不合理上.住房公积金制度的基本功能是满足居民的基本住房保障需求,它既不是投资者用于获益的工具,也不是政府调控房价的杠杆,更不是部分人谋取不正当利益的手段.本文的主要目的在于对住房公积金制度做出了剖析,使大众对住房公积金制度能够有正确的认知,对其弊端能有理性解析,从而对住房公积金制改革提出合理建议.

An Analysis of the Disadvantages of Housing Accumulation Fund System and Reform

Housing accumulation fund system has been disputed at very experts, scholars and ordinary people constantly. In detail, the problems of it design and unreasonable legislative provisions. The basic function of housing beginning. It has been condemned by mainly center on the irregular system accumulation fund system is to satisfy residentsbasic housing security demand. It is not a tool for investors to gain profit,nor is a leverage for government to regulate and control housing price, nor a means for somebody to gain profiteering profits. The main purpose of this paper is to analyze housing accumulation fund system so as to enable public to have correct cognitive to housing accumulation fund system, to understand its disadvantages and put forward reasonable suggestions to the reform of it.