Research Of Improving Chinese Housing Provident Fund System Under The Angle Of The Fair And Efficiency

After 30 years of reform and opening, along with rapid economic development, China's widening wealth gap, social equity issues become increasingly prominent area of the housing provident fund various inequities are particularly concerned by the community. Housing provident fund system was originally conceived as mutual funds by transferring policy to solve the housing problems of low-income households, maintaining social justice, security and social stability. However, many data indicate that the existing housing fund system for various reasons, did not actually give full play to such security functions, and even to some extent widened between different groups in society income gap. Meanwhile, the housing provident fund system in unbalanced regional development, to the fragmentation of closed-end management of a housing provident fund system is not efficient.From the perspective of fairness and efficiency of our housing fund system running status of an empirical analysis, confirmed that the housing provident fund system in China to promote urban housing construction and improve the living standards of urban residents to improve the structure of housing consumption has played an important effect; through the various housing provident fund system in the unfair and the phenomenon of low-efficiency analysis, the housing provident fund system to identify deficiencies in existing Department; by reference Guowai fund and housing policy of the successful experience, combined with China's Cheng Xiang truth, made Le body of fairness, efficiency-based system to improve the urban housing fund and the establishment of rural housing accumulation fund system, and eventually build a nationwide three-dimensional structure of the financial management system of housing provident fund policy response...