我国住房公积金制度存在的问题及对策.docVIP

天津财经大学 本科毕业论文 中文题目： 我国住房公积金制度存在的问题及对策 英文题目： Chinas housing fund system problems and countermeasures 院系名称： 经济学院金融系 专业班级： 房金1002班 学 号： 2010110711 姓 名： 李树圆 2013 年 12 月 18 日 内容摘要 住房公积金制度是一项住房保障制度，这项制度建立至今，对深化城镇住房制度改革, 完善住房供应体系, 尤其极大的改善了较低收入家庭的居住条件，从而在促进经济发展的同时又保障了社会的和谐稳定。通过近几年年的发展,我国住房公积金归集额有了大幅度的增长,个人贷款额逐年稳步增加,贷款资产质量不断提高,取得了快速发展如果按照现在的速度增长,在不久的将来,住房公积金将会成为中国最大的基金。, 也不断暴露出了一些不容忽视的问题,应予以重视并加以规范和解决。本文在对住房公积金制度稍作简介之后，分别从个人与住房公积金管理公司角度，对各方面资料加以整合，阐述了我国的住房公积金投资发现的各方面问题，并据此提出完善的措施。 关键词：住房公积金；完善机制；  Abstract Housing fund system is a housing security system, this system has been established, to deepen reform of the urban housing system, improve the housing supply system, in particular greatly improved the living conditions of low-income families, so while promoting economic development and protection of social harmony and stability. Through years of development in recent years, Chinas housing fund has greatly increased the amount of imputation, personal loans increased steadily year by year, loan asset quality continues to improve, and achieved rapid development. If you grow at the current rate, in the near future, housing fund will become Chinas largest fund. But it is worth noting that the housing fund system in many accomplishments, but also constantly exposed some problems can not be ignored and should be valued and to regulate and resolve. In this paper, after a brief profile of the housing accumulation fund system, respectively, from a personal point of view with the housing provident fund management company, to integrate all aspects of the data, elaborated on various aspects of the housing fund investments discovery, and accordingly propose adequate measures. Keywords: Housing fund; investment; countermeasures; problems  我国住房公积金制度存在的问题及对策 一、引言 二、住房公积金概述 （一）我国住房公积金制度 住房公积金制度是围绕住房公积金的缴存、提取、使用管理和监督形成的相关制度的总称。我国住房公积金制度是围绕住房建立的单一性制度安排。这一制度初期是为服务住房制度改革而建立的。当时提出，实行住房公积金制度是城镇住房制度改革的重要内容和中心环节，直接关系到城镇住房制度改革工作的成败，要在全国全面推进住房公积金制度。 1991 年以前，我国城镇人