Housing Accumulation Fund System In China Problems And Countermeasures Research

In recent years, with the rapid socio-economic development, people’s livingstandards rising, the traditional concept of the pursuit of food and clothing have started tochange for the pursuit of housing, for now, the housing problems of the masses hasbecome the most concern. Before the reform and opening up, basically on welfarehousing distribution, but after the reform and opening up, China’s traditional housingsystem has been reformed, one of the housing accumulation fund system is a majorreform of the content. On the basis of reference for the Singapore Central Provident Fundsystem above, China’s housing fund system through constant adjustment has become animportant part of the current housing security system, speed up China’s urban housingconstruction workers, improve housing consumption capacity, promote the reform of thehousing system has played an extremely important role. However, as China’s housingreform progresses, gradually exposed some problems. If these problems can not beseriously studied and solved, it will affect the health reform and development of housingprovident fund system, there may be to the state and people with to serious losses.As an important housing security system, housing fund to help the majority oflow-income groups to achieve an important safeguard mechanism housing. But in actualoperation, the existing housing fund system coverage is very limited, in low-incomegroups have not yet adequately covered, and the majority of rural residents have not yetincorporated into the scope of the benefit system, which apparently is contrary to theprinciple of fairness. If economic conditions are relatively good group to get enormousbenefits from the housing provident fund system, and even that will be paid into the fundas a means of a profit, no doubt set a departure from the original intention of the housingfund system. In addition, China’s housing fund system there is a big problem in the design,management and implementation of other aspects of the development and use of housingprovident fund system cause some limitations. And in order to build a moderatelyprosperous society, we first need to realize the masses and housing, in order to stabilizethe socio-economic and health development of the formation of security, in order toreflect the benefit of the people’s fundamental interests of the overwhelming majority ofthe spirit, but also to the development and scientific objectives agreed to further promotethe building of a harmonious society. In this paper, the theoretical basis of the full studyon housing provident fund system, combined with the implementation of China’s current real estate control policies, the full reference number of housing security system reformmore successful national experiences on housing provident fund system and mode ofoperation of the current implementation problems were analyzed, and proposed theestablishment of a fair, path suitable housing provident fund system.In this paper, the use of induction and deduction analysis, comparative analysis andempirical analysis. Through the analysis of our housing finance system and mode ofoperation of the current problems exist, combined with evidence, put forward thecorresponding policy recommendations, provide the basis for the formation of the theorywith empirical; through our current housing finance system for system analysis, theperfect Recommendations and strategies housing provident fund system.