住房公积金归集过程中存在的问题及对策

The housing common reserve fund gathers together the question and countermeasure which in the process exists

建立住房公积全制度对加快城市化进程，完善城镇的住房保障制度起者不可或缺的作用。住房公积金的管理实行住房公积金管理委员会决策、住房公积金管理中心运作、银行专户存储、财政监督的原则，住房公积金应当用于职工购买、建造、翻建、大修自住住房，任何单位和个人不得挪作他用，因而公积金又是封闭的、独立的、专项的基金。“有钱可用”是用好、用活公积金的基础和前提，因此，住房公积金归集业务是公积金运作的源头，是公积金业务正常开展的保障，而当前住房公积金归集难是制约这一制度良性、健康的症结所在。

Establishes the housing common reserve fund system to speed up the urbanized advancement, perfect cities housing safeguard system getting up indispensable function. The housing common reserve fund management implements the housing common reserve fund management committee decision--making, the housing common reserve fund administrative center operation, the bank special bank account saves, the financial supervision principle, the housing common reserve fund must use in the staff purchasing, the construction, rebuilding, the overhaul from lives the housing, any unit and individual does not have to move is him to use, thus the common reserve fund also is the seal,independent, the special fund. ＂Rich available＂ is uses, with the live common reserve fund foundation and the premise, therefore, the housing common reserve fund gathers together the service is the common reserve fund operation source,is the common reserve fund service normal development safeguard, but the current housing common reserve fund gathers together difficultly is restricts this system benignity,the health crux is at.