Research On The Development And Effectiveness Of The Housing Provident Fund System

China's housing accumulation fund system is based on the study of the experience of the central provident fund in singapore.Since 1991 in Shanghai and to promote the spread of the country for twenty-six years,the housing accumulation fund system and the relationship between housing security has long been recognized by the community.Along with our country housing distribution to the monetary distribution of the successful transition,as housing reform of our country policy of housing provident fund system has been groping forward then mature development process,especially in the current context of comprehensive deepening reform,the housing provident fund system must and in the development of economy and society.In the Department of housing and make full use of the housing provident fund,improve capital utilization requirements,housing provident fund industry as a whole is also great strides in reform and development,such as policy design,system development,operation mode,function development and play the role of changing aspects.Over the years,the housing provident fund system has been to provide housing fund support,improve the living conditions of workers,enhance employee housing consumption capacity for policy goals,a new trend of development,the housing provident fund system itself more to meet the economic and social environment needs improvement through reform,resulting in more profound effects,further consolidate and develop the system of mind.This study includes two aspects: one is why the housing provident fund system development,which is to meet the practical needs and motivation,is the realistic need what kind of housing provident fund system,the housing provident fund system should be how to develop.The two is towhat degree to use of housing provident fund policy in the process of development of housing provident fund system,the use of housing provident fund in reality is full.Around these two aspects,this paper forms a rigorous theoretical logic,the housing accumulation fund system should be the development of the real needs,and the development of housing accumulation fund policy to promote the development of housing provident fund.Finally come to the conclusion that the development of the housing provident fund,especially housing provident fund use extent greatly will promote housing provident fund development,benefit the larger and deeper benefit.The relevant government departments and regulatory agencies through the development of housing provident fund system,strengthen the management of housing provident fund,housing provident fund policy adjustments,the more groups into the housing provident fund benefits,create loose housing financing environment for workers paid,at the same time,to provide new and efficient public services for them.