住房公积金支持农民工购房的路径研究

A Study on the Path of Housing Accumulation Fund to Help Migrant Workers Achieve Urbanization

将农民工纳入住房公积金覆盖面具有较强的经济及社会意义。农民工缴存公积金的主观意愿较强烈,但经济能力不足成为制约农民工购房的重要因素。研究显示,农民工对住房公积金的了解和评价皆不高,且呈现出区域差异性特征。同时,农民工分布区域差异性制约了住房公积金扩面改革,公积金的错位补贴加剧了农民工购房压力,住房公积金制度的普惠功能也急需改善,这些都成为制约住房公积金扩面改革惠及农民工的现实因素。提出建立公开规范的农民工住房公积金缴存制度、推行区域差异性住房公积金政策、支持住房公积金异地贷款政策、加强住房公积金的住房金融功能等措施,以真正发挥住房公积金对农民工的住房保障功能。

It is of great economic and social significance to integrate migrant workers into the housing accumulation fund. The subjective willingness of migrant workers to deposit housing accumulation fund is stronger,but the lack of economic ability plays an important role in restraining a migrant worker from buying a house. The study shows that the level of migrant worker＇ knowledge of and evaluation on housing accumulation fund is not high,and this level bears regional characteristics. At the same time,the regional differences in the distribution of migrant workers have restricted the expansion of housing accumulation fund,the inappropriate disbursement of housing accumulation fund has increased the house-purchase pressure of migrant workers,and the function of housing accumulation fund system is badly in need of improvement. The three above-mentioned aspects become the realistic factors of restraining the housing accumulation fund from expanding and from benefiting migrant workers. This paper proposes such measures as the establishment of a public and formal system for migrant workers to deposite the housing accumulation fund,the implementation of the housing accumulation fund policy that takes regional diversity into consideration,the support of the housing fund loans in other cities,and the enhancement of financial function of the housing accumulation fund,hence giving full play to the security function of the housing accumulation fund for migrant workers.