我国住房公积金的法律属性及其管理模式研究  

The Legal Attributes and Management Model of Housing Accumulation Fund in China

作　　者：曾筱清[1] 翟彦杰[1] 

机构地区：[1]中央财经大学法学院,北京100081

出　　处：《金融研究》2006年第8期154-164,共11页Journal of Financial Research

基　　金：国务院机关事务管理局中央国家机关房改办与中央财经大学财经法律研究所合作项目<中央国家机关住房政策与相关法律制度研究>课题中的子课题。

摘　　要：本文首先讨论了我国住房公积金的法律属性问题,认为住房公积金本质上具有工资性,归属于缴存者个人所有但其权能受到一定的限制。其次,本文从法学理论的视角分析了现行住房公积金管理模式的缺陷,探讨了现行管理模式的三种可能的改革方向。最后,本文提出应当以政策性银行模式改革现有住房公积金管理模式,提出了完善现行制度的若干过渡性改革建议。Firstly, the paper analyzes the legal attributes of housing accumulation fund and point out that the fund is essentially a part of wage that belongs to the individual contributor but with restricted utilization. Secondly, based on the above conclusion, the authors further investigate the defects on the current management mode of Chinese housing accumulation fund and discuss three possible proposals on its reform. Finally, the authors draw the conclusion that the reform of housing accumulation fund system should be based on the mode of setting up regulated housing policy bank and improve transitional legislation aiming on the perfection of the housing accumulation fund system.

关 键 词：住房公积金 法律属性 管理模式比较 

分 类 号：D922.181[政治法律—宪法学与行政法学]