Research On Fund Credit Risk Management Of Harbin Fund Center

With the residents of the housing market, commercialization, China’shousing accumulation fund system has become an important support staffhousing aspirations of the system. With the urbanization speeding up, theprovident fund system plays a basic and constructive role as it provides a widerange of security system for workers to improve living conditions. Especially theoverheated real estate development in recent years, a nationwide housing priceraised substantially, the realization of the basic desire for low-income people topurchase housing to improve the living conditions of the extremelydisadvantageous influence. Such pressure and difficulties in Harbin such capitalcity is obvious. Housing provident fund system in the protection of workers basichousing needs of the guarantee on the positive role of more and moreconspicuous.“Regulations" of the housing provident fund management clearlyshow that the housing provident fund, which be paid by the individual workersand also the employee unit, all should be belonged to the individual workerstotally. The risk of provident fund housing money will affect individual workersdirectly. This is a consensus has been more recognition in the context of thewhole society, also the growth fund capital scale and speed, amount of providentfund credit funds also increased, with the capital credit risk is also growing. Thisneeds to be done for provident fund management center housing provident fundhave stronger financial management capacity, to guard against credit risk, ensurethe safety of funds. The provident fund system with sustainability can be stable,real and lasting play basic housing guarantee for workers. This article is based onsuch a background, based on the actual provident fund management Harbin,research on risk management of credit where credit risk, try to find out theprovident fund, evaluated using scientific methods, and the formation of ascientific and effective risk prevention system.