公平视角下住房公积金储户补偿机制研究

Research on the Compensation Mechanism of Housing Accumulation Fund System Depositors from a Fair Perspective

住房公积金制度增加了公积金贷款职工的福利,但公积金的低存低贷利率使得未贷款职工面临较高机会成本,导致公积金制度有"劫贫济富"的嫌疑,社会公众对公积金制度公平性的质疑甚大。本文基于公平理论,分析了两类职工的相对收益,揭示未贷款职工的相对收益率要低于贷款职工,不利于激发职工缴存的积极性,从而影响公积金的归集;从社会资源再分配更加注重公平的原则出发,提出基于利率调整对未贷款储户进行补偿的机制,并就如何补偿进行研究。

The housing accumulation fund system is useful for increasing the welfares of the depositors who have applied for a loan, as their consumer surplus increases with the housing accumulation fund system. Due to the mandatory of accumulation fund capture, no loan depositors face a higher opportunity cost. So, the accumulation fund system is suspected as "robbing the poor to enrich the rich", which raised the doubt of the public about the fairness of the housing accumulation fund system. Based on the theory of fairness, this paper analyzes the relative income of loan and no loan staffs, and finds that the relative income of the depositor who has applied for a loan is higher than that of no loan depositor, which is unfair for no loan depositor and not conducive to the collection of accumulation fund. Based on the fairness principle of social resources redistribution, this paper puts forward the compensation mechanism for the no loan depositors, and then studies how to compensate them.