Study Of Management Housing Accumlation Fund For Pingdingshan

In the context of urban housing system reform in our country,housing accumulation fund system appears,which has become an important part of the housing security system in China,with the individual and the work unit respectively responsible for half of the fees needed.In the new period with accelerated housing construction,the housing accumulation fund system helps a lot in improving workers' housing purchasing power,the low and middle income earners' housing environment,and increase the workers' housing welfare,et.Housing accumulation fund system in Pingdingshan city,which was established over ten years ago,has promoted the urbanization in Pingdingshan and brought convenience to workers who have paid the fees required.But in the process of system operation,there are still some unavoidable problems.On the basis of the development history of the accumulation fund system,this paper generalizes the significance and research status of housing accumulation fund.Secondly,the paper expounds the mode and the present situation of the housing accumulation fund management of Pingdingshan city.Then through literature analysis and case analysis,this paper points out the problems in Pingdingshan city housing accumulation fund management,which are mainly small scope of workers who pay the fund,serious delayed payment,lack of administrative law enforcement,low individual loan rate,complicated loan procedures,low risk control capacity,informationization level not high,too more precipitation funds and system not fair enough.Then in-depth reasons are analyzed,that is,lack of administrative law enforcement efforts,complicated loan procedures,poor service awareness,lack of comprehensive consideration for different income levels,etc.On the basis of the problems and reasons analyzed above,this paper,absorbing the advanced experience and practice,puts forward five corresponding countermeasures.First,expand the scope of workers who pay accumulation fund and as well as benefit more workers at the same time.Second,make accumulation fund loan more attractive to raise the individual loan rate.Third,increase the fund utilization rate to maintain its value.Fourth,increase the risk control capacity of housing accumulation fund so that funds can operate within a safe and controllable scope.Fifth,improve the level of informatization to make it easier for the masses to finish the procedures and improve work efficiency.