The Operation Mechanism And Improvement Of The Theory Of Housing Accumulation Fund System In Our Country

The housing problem has been the development of the social stability and unity,prosperity, the most major problem. With the continuous development of our country’seconomy, the economic strength increasing, the phenomenon of social polarization, tend to beobvious. Some people have multiple sets of housing, while others don’t even have the first setof their own housing. If allow this kind of phenomenon and unchecked, would not be stableand prosperous society, social instability, why national development? The development ofcountries, how strong? So, in order to solve this a series of problems, our country decided toestablish a system for resolving the purchase housing difficulties-housing accumulation fundsystem.While this paper is to do a brief introduction of current accumulation fund system inChina. First from the meaning of the accumulation fund and its corresponding function, toestablish the cause of the accumulation fund and play a role in society, related mechanism andregulation of housing accumulation fund, provident fund the development of accumulationfund system in China made a simple introduction. Next to our country the currentaccumulation fund system management and operations are made simple introduction,concrete from capture puts, extract and use, value-added income distribution, and the issuesrelating to the loan application, the risks and the corresponding response and regulation lawconstruction made to clarify. Again, draw lessons from the foreign experience of developedcountries more successful housing finance system, used in our capital system, better solve theproblem of worker to buy housing difficulties, to better promote the development of thehousing system in our country and perfect, better contribute to social stability and prosperity,to better achieve the goal of social fairness. Finally, points out the defects existing in thecurrent accumulation fund system and the improvement of the correspondingcountermeasures, social and economic changes are analyzed in detail the effects of theaccumulation fund system, and points out the early accumulation fund management, riskcontrol and existing problems in the aspects of value-added income distribution, and from themacro and micro two aspects put forward the corresponding countermeasures, and putsforward some new investment channel choice.