A Discussion About Legal Matters On The System Of Housing Accumulation Fund In Our Country

The housing accumulation fund, developing during the reform of housing system in the city and town, learning from the experience of foreign countries in accordance with the conditions of our country, is a long-term compulsorily deposit system developing and using creatively. The development of the system has been playing an important role in supporting employees buy their own house and improving the conditions of housing in the city and town. However, because the housing accumulation fund is a new-born matter, so many kinds of problems inevitably exist in some places, especially in the undeveloped places. The thesis attempts to discuss, starting with the basic theory of housing accumulation ,such as the background of development, the foundation of theory and its legal characteristics, based on the problems of the housing accumulation fund system in the design , mechanism of run, mainly taking the four segments including design, run, supervising and legal regulation into consideration, then introducing and learning from the system of housing or relevant housing safeguarding in other countries, in the hope of doing some useful discussion and analysis of the reform and perfection of the housing accumulation fund system running nowadays.The chapter one mainly introduce the background, conception, characteristics, legal nature to discern the nature of salary and the refraining ownership in legal aspect for the housing accumulation fund system.The chapter two mainly analyzing the realistic basis and the foundation of theory on housing accumulation fund system .The part one mainly introduce the realistic demand, security of system and law, in order to analyze the necessity of housing accumulation fund system. The part two mainly explain from the basis of law design, basis of economic law and basis of social law so as to testify that the development of housing accumulation fund is the product of system just made in door. The chapter three ,based on the conditions of design and run of the housing accumulation fund system in our country, figure out the existing legal matters of housing accumulation fund system. The problems include unfairness in design, undue supervising, unhelpful legal regulation on design. The problems of run mainly exist efficiency with the aspects of run of capital, safety, the model of management and run.The chapter four firstly introduce precisely introduce the law of housing accumulation fund or relative laws. The key point is the advising role of the housing policy about making policy in the accordance with our country, the creativity of specific system in financing and loaning., perfection of laws for the housing accumulation fund system in our country.The chapter five, based on the problems on the design and run of the system figuring out in chapter three, combining with the advice and experience of housing policy in foreign countries, suppose that the system should make a reform in the enactment of basic law, broadening of the scope, the problems of justice and efficiency, the creativity of mechanism of management and run, the perfection of supervising system, change of relative system, attempt to play some use in perfection of the housing accumulation fund system.