| In 2021,the total number of flexible employees in China reached 200 million.Six cities including Chengdu,Guangzhou,Suzhou and Shenzhen were recognized by the Ministry of housing and urban rural development of the People’s Republic of China(hereinafter referred to as the "Ministry of housing and urban rural development")as pilot cities for flexible employees to participate in the Housing Accumulation Fund System.This paper uses the analysis methods of case analysis,interview and field investigation to construct the whole life cycle analysis framework of "before loan-during loan-after loan".Taking the provident fund in Linfen City,Shanxi Province as an example,this paper analyzes the six troubles encountered in the implementation of the loan policy for flexible employees one by one,and puts forward the countermeasures and suggestions based on the cause analysis as follows:first,make full use of the Internet big data tools,Determine the Housing Accumulation Fund deposit base for flexible employees with reference to the social security base;Second,formulate a reasonable deposit proportion range for flexible employees with reference to the deposit proportion range stipulated by the Ministry of housing and urban rural development;Third,appropriately reduce the maximum amount of housing provident fund loans that flexible employees can apply for,and use the "1000 yuan +" repayment ability identification method;Fourth,on the basis of the existing real estate mortgage guarantee methods,implement the second ranking real estate mortgage guarantee methods;Fifth,improve the loan risk management system,establish a housing provident fund loan risk early warning system,and establish a loan risk compensation mechanism for borrowers with flexible employment;Sixth,actively promote cross regional fund coordination and work together to deal with the pressure of capital liquidity. |
