The Study On Yuncheng City Housing Fund Condition

Our country established the system of housing accumulation fund by using the experience of Singapore. Shanghai was the first place to have the system in 1991.Then the housing accumulation fund had a nationwide promotion step by step in our country.The housing accumulation fund for housing construction has its positive role, to a certain extent help urban residents to solve the housing problem.At the same time,it was used in the construction of low-rent housing.But it also gradually exposed some disadvantages. Yuncheng set up the system of housing accumulation fund in June2004,and set up housing accumulation fund management center. There are 15 management departments in Yuncheng. Since its establishment, Yuncheng housing accumulation fund has played a positive role in the housing security level of Yuncheng town workers. In recent years, the housing accumulation fund management center pay more attention to and improve the health of the housing accumulation fund, but there are still some problems in the running. These problems seriously affect the development of the housing accumulation fund system.This paper is based on the related theory of housing accumulation fund, combined with the data of Yuncheng.I research the operation condition of housing accumulation fund. In Yuncheng by selecting the evaluation indicators from the housing accumulation fund capture puts status and using status, housing accumulation fund of housing accumulation fund value-added benefits, the condition of non-performing loan of housing accumulation fund four aspects.According to the operation of housing accumulation fund,take Yuncheng as an example, refine to each department, and establishes Yuncheng’s performance assessment system of housing accumulation fund.By using the maximum entropy method, give each index weight objectively and evaluate running condition comprehensively.And then conclude Yuncheng’s development trend of the overall operation of housing accumulation fund and the comprehensive ranking of each department, point out the problems existing in the operation of housing accumulation fund, put forward the perfect proposal.This paper concludes that Yuncheng improve performance of housing accumulation fund continuously, the worker number increases gradually, the collection covering work continues to increase, the withdrawal rate and loan ratio also accelerating.But it still has some problems,such as low coverage increasing slowly,cost-effectiveness of funds, bad loans and Low value-added yields.The the protectioneffect of housing accumulation fund failed to cover everybody. Yuncheng housing accumulation fund operation condition is getting better and better in recent years.At the end of 2014,in the operation condition of 15, the comprehensive scores of the top four departments are Shanxilvchang, Yongji, Yanhuqu and Yuanqu, composite scores ranking of the four departments are Pinglu, Wanrong, Linyi and Hejin.There is a big gap between Low-ranking departments and top-ranking departments.Perfect suggestions are relying on the national policy of housing accumulation fund operation guide continue to intensify the collection covering, reducing the imbalance of county development,improving the efficiency of the use of housing accumulation fund, improving business efficiency and management efficiency, increasing the number of national debt in order to increase the value of housing accumulation fund yields.