进一步完善住房公积金制度的设想

Imagine to Further Improve the Housing Accumulation Fund System

文章以新形势下如何进一步发挥住房公积金制度功能为研究对象,认为在社会高收入家庭有能力自助解决住房问题、社会低收入家庭由国家建设保障性住房进行救助解决住房问题的前提下,提出有效解决中等收入家庭住房问题是具有互助性、保障性特点住房公积金政策的基本定位。同时提出在"治理结构现代化、管理模式集权化、业务管理金融化"条件下,以"职工自愿缴存、单位配比补贴、低存低贷、专项使用、予以奖励补贴"为新的缴存使用机制。并就如何推进相关机制运行提出设想和建议。

Taking under the new situation how to further develop the housing accumulation fund system functions for the stu-dy, we believe in social self-service high-income families have the ability to solve the housing problem for low-income fam-ilies by the state social construction of affordable housing under the premise aid to solve the housing problem, propose ef-fective middle-income families to solve the housing problem is a mutual aid, the basic orientation of affordable housing fund policy characteristics. Also proposed in"modern governance structure, centralized management, business management fin-ancialization"condition,"the employee to deposit, the ratio of the unit subsidies, low-low deposit loans, special use, will be awarded subsidies"for the new deposit to use the mechanisms. And put forward ideas and proposals on how to promote mech-anisms to run.