The Public Housing Reserve Fund Risk Analysis In Jingzhong City

The Public Housing Reserve Fund system is the outcome and an important content of the Chinese town housing system reforming . To push the housing system reform and practice the housing allotment currency to turn, one of the most important forms is to build up housing provident fund system. As a policy housing financial system, through the steady development for more than 10 years, it is changing a housing allotment system, pushing housing system reform, raising an officers and workers to buy building to pay an ability, promoting the housing constucted and the housing consume, pushing a real estate industry and related industry of development square but developed an important function, is practiced a certificate is suitable for the housing currency of Chinese state of the nation to turn allotment form.The city housing provident fund management in this text research object JinZhong city from the provident fund system of the establishment housing, housing provident fund personal housing loan is with its interest rate lower policy advantage, vivid loan method and simplely carrying out procedure's etc. to be subjected to the large officers and workers' favor. Because the system for center to carry out the loan business of personal housing of the city housing provident fund management in JinZhong city is more perfect, the procedure is more complete, operation comparison norm, existing borrow funds person's reputation degree higher, up to now exceed the time limit to lend money a sum to zero. But along with provident fund system of thorough open an exhibition, return to gather quantity to increase year by year;Lend money a comparison to raise continuously along with the strongly developing of the provident fund loan. Facing several hundred million funds, how to avoid provident fund risk, insure housing provident fund of safety, flow and protect a value to increase in value is very important.This article emphasizes the fulfillment of city housing the funds operation of the provident fund center to set out from the Jin, usage settle quality and quantitative analysis combine together of method, in order to avoid provident fund risk, perfect housing provident fund system for total target, set out from the basic theories of the housing provident fund, carry on concrete risk analysis moderate breezes to guard against a substantial evidence research nearly to the city housing in JinZhong city provident fund. Explain the basic theories of the housing provident fund first, introduce the city housing provident fund management in JinZhong city a management general situation and housing provident fund funds movement present condition on this foundation. Then with housing provident fund the contents of the business for foundation, city housing in JinZhong city the provident fund face of the risk induce for the five major type to carry on analysis one by one. The stone of its mountain, can offend jade. This article carry on housing provident fund system to be international comparison, take drawing lessons from commercial bank risk management. According to commercial bank financial risk a management theories, method to study housing provident fund risk and guard against with control, build up sound risk management a system by period, raise housing provident fund an usage a performance, promote the funds protect a value and increase in value, carry out housing provident fund system a design of purpose.