浅议住房公积金制度中存在的问题与对策

Shallowly to discuss the question and countermeasure which in the housing common reserve fund system exists

住房公积金制度是我国在推行住房制度改革过程中为解决城镇职工住房消费问题而推行的一项强制性的长期住房储金制度，作为住房实物分配向货币分配机制转换的重要形式，它已成为基础性制度和核心制度，经过十多年的探索实践和制度创新，已经初步形成单位资助、个人缴存、互助贷款、廉租保障的政策体系，住房公积金在一定程度上解决了中低收入家庭住房问题，改善了居民消费结构，促进了住房消费。

The housing common reserve fund system is our country in carries out in the housing system reform process for to solve an item of compulsory long-term housing savings system which the cities staff housing expense question carries out, as the housing material object assignment the important form which transforms to the currency assignment mechanism, it has become the foundational system and the core system, passes through more than ten year exploration practices and the system innovation,already initially formed the unit subsidization, deposits, the cooperation loan personally, rents the safeguard inexpensively the policy systems the housing common reserve fund has solved the mid and low earning family accommodation to a certain extent,improved the inhabitant consumption pattern,promoted the housing expense.