对住房公积金“扩面”的冷思考

Thinking about Broadening Coverage of Housing Accumulation Fund

长期以来住房公积金制度对非公企业的覆盖面一直不高。通过对非公企业和职工参与住房公积金制度的利益分析,发现并非所有的用人单位和职工都从中获利。对非公企业与部分职工而言,参加住房公积金制度产生的效益是弊大于利。

For a long time,housing accumulation fund system remains low coverage rate on Non-State-Owned enterprises.Based on the benefit analysis,can draw a conclusion that not all the non-state-owned enterprise and their workers could obtain positive benefit from the system.For some of them,the negative effect outweighs the positive effect.