住房公积金制度改革方案设计——基于普惠与特惠内生协调的视角

Design of the Reform of Housing Provident Fund System

住房公积金制度的问题,除管理体制外,主要体现为公平性、互助性与普惠性等三个层面,而这三大问题的根源在于制度工具的设计并无普惠实质,也难以促进制度金融功能与保障功能的协调。本文认为应在坚持住房公积金强制互助、普惠与特惠内生协调等基本原则的基础上,从制度普惠的限制性设计、制度补贴的差异化分层设计以及相关配套政策等角度加以深化和完善。

The problems of housing provident fund system, are mainly embodied in the fairness, mutuality and prevalence in addition to the management system. The three problems are rooted in the design of the tools which have no prevalence essence, and don＇t promote the coordination between the financial function and the security function. This paper argues that reform program should insist on such some principles as the compulsorily mutuality and the endogenous coordination between prevalence and preference, and should be deepened and improved through the designs of limiting prevalence, differential subsidy and relevant supporting policy.