我国住房公积金的住房保障作用探析

Exploration on the Housing Security Function of Housing Provident Fund in China

随着经济和社会的发展,城镇住房制度也在不断的改革,在改革的过程中,住房公积金也建立起来了。它可以在实践中支持住房建设和住房需要,而且还能够给廉租房一定的资金支持。但是在现实生活中我们发现住房公积金的覆盖面还很窄,并且资金的使用比率还很低,地区差异很大,而且对于收入水平不同的人在使用住房公积金上也是不平等的,导致住房公积金的住房保障性作用发挥的并不是特别全面。

With the development of economy and society, the urban housing system is constantly reforming. In the process of reform, the housing provident fund is also established. It can support housing construction and housing needs in practice, and can also provide some financial support for low rent housing. But in real life, we find that the coverage of housing provident fund is still very narrow, and the use rate of funds is still very low, the regional differences are very large. And people with different income levels are also unequal in the use of housing provident fund,which leads to the housing security role of housing provident fund is not particularly comprehensive.