住房公积金制度参缴影响因素分析及改革路径选择

The Analysis of Housing Accumulation Fund System Coverage Influence Factors and Reform Path Selection

进一步扩大住房公积金的覆盖率,将灵活就业人员等纳入住房公积金制度,是近年来国家致力于提高住房公积金制度参保率以提升制度保障力度的重要措施。然而,规定可纳入住房公积金制度的新增群体在实施过程中是否真的愿意参与进来?住房公积金制度扩面是否能顺利推进?仍需进一步探讨与研究。在住房公积金资金积累规模不断扩大且增速加快的发展进程中,采用二元logistic回归模型对住房公积金制度参缴意愿及影响因素进行分析,提出扩大住房公积金制度实际覆盖率,增加制度公平性的对策与建议。

China ready to further expand the coverage of housing accumulation fund,and to make the flexible employment participate in the housing accumulation fund system,what is reflects the country committed to improving the housing accumulation fund system to enhance the enrollment rate regime security efforts.The new group can be incorporated into the system of housing accumulation fund,however,are they really willing to participate？ Whether expanding the housing accumulation fund system can be smoothly advanced,Which still need further study and research.In the scale of the housing accumulation fund of funds continue to expand and accelerate the growth of the development process,using the binary logistic regression model to analyze the factors which impact on the system of housing accumulation fund coverage rate and try to put forward countermeasures and suggestion to expand actual coverage of housing accumulation fund system and increase the fairness of the system.