我国住房公积金制度的缺陷与对策研究——以住房公积金的劫“贫”济“富”现象为视角  

The Defects in Housing Provident Fund System in China and Countermeasures——Some Thoughts on the Phenomenon of “Robbing the Poor and Assisting the Rich”

作　　者：汪金峰[1] 张克泽 申凯[1] 陈亚峰[1] 

机构地区：[1]西华师范大学政治与行政学院,四川南充637002

出　　处：《西南石油大学学报（社会科学版）》2014年第6期24-28,共5页Journal of Southwest Petroleum University(Social Sciences Edition)

摘　　要：住房公积金制度在我国住房分配制度的改革上起到了引导作用,但是,随着社会经济进一步发展,现有的住房公积金管理制度已经明显不适应目前形势的发展。2014年3月13日全国"两会"闭幕后,原本饱受争议的住房公积金制度再次引发公众的探讨,越来越多的公众质疑住房公积金的劫"贫"济"富"现象。通过深层次分析住房公积金制度劫"贫"济"富"的缘由,探索我国住房公积金的发展路径,提出确定合理的缴费率、扩大住房公积金的覆盖范围和多渠道实现公积金投资、合理利用住房公积金的增值收益等手段来完善我国的公积金制度,使其更加适应城镇化发展的要求,让住房公积金普惠于民。Housing provident fund took the lead in the reform of the housing distribution system. However, with the further development of social economy, the existing housing provident fund system doesn＇ t apply to the present situation. After the end of two sessions on 13th March 2014, people in mounting numbers voice growing concern over the controversial system： the phenomenon of ＂rob the poor and assist the rich＂. This paper analyzes the causes of the phenomenon, explores the development path of housing fund, and presents the following ways to improve China＇ s provident fund system： resetting the contribution rate and enlarge the coverage of housing provident fund, optimizing investment of the fired in a multi-channel portfolio, and utilizing reasonably the added value of the fund. We hope all these ways would meet the needs of urbanization and make housing provident fund beneficial to citizen.

关 键 词：住房公积金 公平性 劫“贫”济“富” 住房分配制度 公积金管理 

分 类 号：F812.4[经济管理—财政学]