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住房公积金制度在我国推行至今,已经逐渐成为了我国房地产领域的政策主体,为城镇居民开辟了一条解决住房问题的新途径。而伴随着住房公积金制度的使用范围扩大,其本身存在的问题及风险性也逐渐显露出来。本文就我国当下的住房公积金制度实施情况进行了分析,提出了笔者认为目前在住房公积金制度实施过程中存在的一些问题,并就如何创新和完善住房公积金制度进行了讨论。
Housing provident fund system in our country has been implemented so far, has gradually become China’s real estate policy body, for urban residents opened up a new way to solve the housing problem. With the expansion of the use of housing provident fund system, its own problems and risks are gradually revealed. This paper analyzes the implementation of the current housing provident fund system in our country and puts forward some problems existing in the implementation of housing provident fund system. I also discuss how to innovate and improve the housing provident fund system.