Kunming City Housing Accumulation Fund Extraction Management Research

Since the 1990 s,with the gradual establishment of the main body of China's market economy,China's housing market from the welfare ration to monetization regulation,provident fund system came into being,brought about important economic and social effects.The implementation of the housing provident fund system not only promoted the housing system reform,but also stimulated the rapid development of the real estate industry to protect the basic housing needs of residents.However,with the development of economy,housing provident fund operation and management is not perfect gradually highlighted,Kunming is still in September 2010 is the implementation of the "Kunming housing provident fund extraction and transfer implementation details",from September 2010 to six years,The housing structure of housing workers in Kunming,housing demand has undergone a fundamental change,the original housing provident fund extraction system can not adapt to the existing situation,the second half of each year,with the deposit funds deposited by the units,Kunming housing provident fund Management center of the various extraction business window will appear "squeeze" phenomenon,which reflects the Kunming housing provident fund extraction range,extraction conditions,extraction process,management of the institutional mechanisms need to make imminent adjustment.Therefore,it is urgent to study the management of housing provident fund and analyze its malpractice.On this basis,it is urgent to put forward the relevant effective fund withdrawal management strategy.Housing provident fund system in China started more,the implementation time is not long,so housing provident fund management in many problems are still exploring and discussing stage.Based on the current situation of housing provident fund management and policy research,this paper attempts to analyze the existing housing extraction plan and system of Kunming housing provident fund by studying the management system and mechanism of housing accumulation fund from the present situation of housing provident fund management in Kunming,Management of the existing problems,to improve the housing provident fund extraction management measures,measures to build a fair,reasonable and efficient housing provident fund management system to provide policy recommendations.Through the study,the extraction and utilization of housing provident fund in Kunming is not high,the utilization rate of the extraction function is not enough,the standard of the implementation of the policy is not unified,and the convenient measures are not in place.Through the systematic study of the existing housing provident fund system,combined with the housing fund management subject and the status of the main deposit,compared with domestic and foreign scholars related housing provident fund management research theory,through the housing provident fund extraction management system and mechanism analysis,found that Through the clarification of responsibilities,improve the system,optimize the process and build the four aspects of the platform to improve the current situation of Kunming provident fund extraction management.It provides a theoretical support for the formulation and implementation of housing provident fund policy,which further enriches the theoretical research on the management of housing provident fund system in China's theory and can provide some reference for the reform of housing provident fund system in China.