中国住房公积金贷款制度完善的路径选择

Path choice of consummating China's housing fund loan system

目前中国住房公积金贷款制度尚未完善,对住房公积金贷款业务的进一步开展造成障碍。长远来看,要理顺住房公积金贷款制度中的各种矛盾,应建立规范的住房政策性银行并制定《住房保障法》;在短期内,住房公积金贷款制度应建立有效的住房公积金贷款的委托-代理机制,出台界定中低收入家庭的标准、统一的住房公积金贷款协作机制以及以收入等级为依据的级差住房公积金缴存比例和级差住房公积金贷款利率机制。

As China＇s housing fund loan system is not completed, it blocks further acts of housing fund loan service. In the long run, to rationalize the contradictions in housing fund loan system, normative housing policy banks should be established and ＂Housing Safeguard Law＂ should be formulated. In the short run, effective entrust-agent mechanism should be set up in the housing loan system. Definition of the standard of low and middle income families, unified housing loan cooperation mechanism and gradation housing fund depositing ratio and gradation housing loan rate based on income grades should be unveiled.