刍议公积金对低收入群体住房消费支持.docVIP

刍议公积金对低收入群体的住房消费支持问题 摘 要 住房公积金是单位及其在职职工缴存的长期住房储金，是住房分配货币化、社会化和法制化的主要形式是国家法律规定的重要的住房社会保障制度.现今我国住房公积金规模发展迅速，住房公积金已经成为职工家庭购买住房和偿还住房贷款的重要资金来源之一Abstract Housing fund is a unit of service workers paid into the long-term housing savings, is housing system, socialization, and the main form of legalization, is an important state housing law social security system. Housing provident fund system in China from 1991 to the Central Provident Fund in Singapore in Shanghai as the pilot for the draw on established nationwide in 1997, after nearly two decades of continuous development and improvement. Today the scale of the rapid development of Chinas Housing Provident Fund, Housing Fund has become staff and workers to purchase housing and housing loans to repay one of the important sources of funds, however, the current system in terms of the existing housing fund, to address the issue of staff housing provident fund system really effective solution to the most in need of employee housing problem? The existing housing fund system and the management of the towns most in need of housing support for low-income housing situation and what would be affected? On urban low-income housing fund and housing to support the lowest income groups have not reached the desired intensity of effect, the housing provident fund to protect the current system how to do the exact income of the employee housing bottom? This paper will present our countrys housing fund system, combining protection of our housing policies and current state of the housing provident fund housing for low-income groups, consumer support and protection efforts of China and Singapore provident fund system to protect low-income groups policy differences, in the light of Chinese and foreign scholars on the protection of housing research experience, learn from Singapores Central Provident Fund on the employee housing to protect the experience of the successful precedent, to explore how to improve the provident fund system to ensure