基于顶层设计研究我国住房公积金制度利益观的落实状况——以《住房公积金管理条例》为例

Based on Top-level Design to Study the Implementation Status of China's Housing Provident Fund System——Taking “Take the Housing Provident Fund Management Ordinance as an Example” as an Example

在我国,住房一直都是一个被广为关注的话题。住房公积金制度是我国住房制度的重要组成部分,在发挥巨大历史作用的同时,也出现了诸多问题。住房公积金制度实施的好坏与否,与该项制度是否坚持了正确的利益观息息相关。住房公积金制度的利益观,应当是以缴费职工的利益为宗旨。维护缴费职工的正当利益,对促进我国住房市场的发展,改善居民居住条件,促进社会稳定,均可起到推动作用。而这一宗旨若要得以有效践行,需要两方面的支持,即制度层面和实践层面。在我国,1999年发布、2002年修订的《住房公积金管理条例》是我国住房制度的一项极为重要的行政法规。以此条例为例,从制度设计层面探讨我国住房公积金制度利益观的落实情况。

Housing accumulation fund system is an important part of the housing system in our country,it has played a great positive role in history.At the same time,it has inevitably presented various problems.In my opinion,the good and bad implementation of the housing provident fund system is closely related to whether the system adheres to the correct concept of interest.Ideals of housing accumulation fund system,should be based on capture to expend the interests of the employees for the purpose.However,the benefit view of the housing provident fund system,if it is to be effectively implemented,requires two aspects,namely,the institutional and practical aspects.In our country,on April 3,1999,the revised“Regulations on Management of Housing Provident Fund”on 24 March 2002 is an extremely important administrative regulation of China's housing system.This article will take this regulation as an example to explore the benefit view of housing provident fund system in China.