Risk Analysis And Response Of Housing Provident Fund Management Center In A City

The housing provident fund system is the outcome of the Chinese town housing system reforming which is an important part for housing security system.In 1991,Shanghai established the housing provident fund system with Chinese characteristics learned from the experience of Singapore fund system.After 20 years of development,the housing provident fun system has made great achievements in promoting the monetization of housing,improve the staff housing and other aspects.However,various regulations of the housing provident fund system in our country are still in the initial stage of continuous perfection,and no effective risk prevention mechanism has been established.Some employees are not aware of risk,and there are irregularities,the housing provident fund is crowed and misappropriated frequently.A city is a late-adopter of the housing provident fund system,but the scale of the fund in A city has been growing rapidly since its implementation,leading to the accumulation of risk and potential risks of housing provident fund management center in A city.Therefore,the analysis and research on the risks of housing provident fund management center in A city is of great significance.The paper is divided into seven parts,based on the basic theory,the development history and actual operation of housing provident fund system in A city are introduced;then the analysis of the risks existing in the operation of housing provident fund management center in A city is conducted;and in the end,the corresponding precautionary measures against the risks are proposed.The first part is the introduction.Including the research background,research significance,writing framework and innovation points.The second part is the theories,including the development of risk management theory,the contents of comprehensive risk management and domestic and foreign research status.The third part is the profile of housing provident fund management center in A city.This part introduces the establishment background and development history of China's housing provident fund system,and the development history and operation of housing provident fund in A city,then analyzes the operation of housing provident fund management center in A city.The fourth part is internal control risks analysis and response of housing provident fund management center in A city.This part analyzes the internal control status of housing provident fund management center in A city from five factors of internal control,points out the existing problems and puts forward some countermeasures.The fifth part is business risk analysis and response of housing provident fund management center in A city.This part analyzes risks existing in the operational process of major businesses of housing provident fund management center in A city and proposes corresponding solutions.The sixth part is financial risks analysis and response of housing provident fund management center in A city.This part analyzes financial risks of housing provident fund management center in A city from two perspectives,including capital liquidity shortage risks and revenue risks,and proposes corresponding solutions.The seventh part summarizes the paper.