浅议住房公积金的性质

我国对住房公积金来源应具有的工资或福利属性没有明确规定,对公积金提取和贷款等使用方式所体现的自助或互助属性也没有明确界定,这不利于我们通过公积金调控收入差距,不利于我们恰当合理地使用公积金。明确我国公积金来源的工资属性及使用方式上的自助与互助属性,并通过严格的公积金使用方式,严格的公积金提取和贷款的条件和标准,以准确体现公积金的这些属性,我国公积金的使用将更公正合理,更能专注于住房保障目标。

Discussion on the Character of the Housing Provident Fund

The salary or welfare character of China’s housing provident fund is not specified,the self-help or mutual character of the fund extraction and loan is also not clearly defined.Thereby it is difficult for us to regulate income gap with the fund and appropriately use the fund.Make clear the salary character of the fund and its self-help and mutual aid character in using,and show these characters through strict using ways and strict extraction and loan conditions and standards,then the use of the fund will be more reasonable and more focused on housing security goal.