Study On Problems Of Housing Accumulation Fund Operation In Jingzhou City

Housing accumulation fund system (the system) is an important social housing guaranty system. Companies and workers should pay housing accumulation fund (the fund) together and it must be saved in special accounts, but it is belonged to individuals only. The fund should be firstly used to meet citizens'need especially low income families to buy houses or construct houses or have place to live, then to extract the fund management organization management cost and provisions of risk, the surplus must be used to construct houses at low price and low rent totally.This thesis studies on problems of the fund operation in Jingzhou city. To appraise the operation of the fund is whether sound should focus on the efficiency in gathering, supplying for housing consume and constructing houses at low price and low rent. It is also needed to focus on the impartiality in supplying social housing guaranty and safety in operation. Efficiency, impartiality and safety should be the intensive reflection and basic requirement of the system's efficiency; they also should be the main aspects of appraising the system's efficiency.Therefore, this thesis studies on efficiency issues, impartiality issues and safety issues of the fund operation in Jingzhou city. Though the system contributed a lot in improving low income families'living condition and housing consume, there are many problems in operation. By calculating and analyzing the fund operation in 2006, we can find the fund can not be gathered in time, difference between the quantities is huge; individual housing loan ratio is low, the quantity can be loaned is low, either; distribution and management of rise in value is not standard; the system is not perfect; using the fund illegally and so on. The reasons causes these problems are complex, however, they are all relevant to the defects of relevant systems. Reform the system deeply on government's side is the key way to solve these problems. This thesis advocates by adopting some measures such as increasing individual housing loan ratio and raising the utilization ratio of the fund to enhance the efficiency ; adjusting the defects of mechanism to enhance the impartiality; establishing information publishing system and severe responsibility system to enhance the safety in operation.