住房公积金:基因蜕变与制度缺陷  

Housing Accumulation Fund System: Transformation and System Flaws

作　　者：刘元春[1] 

机构地区：[1]吉林化工学院经济管理学院,吉林吉林132022

出　　处：《吉林化工学院学报》2016年第8期39-42,共4页Journal of Jilin Institute of Chemical Technology

摘　　要：我国住房公积金制度对推进住房体制改革发挥过重要的作用,然而随着时间的推移和环境的变化,其制度基因已经发生蜕变。究其原因,在于制度设计存在致命缺陷,体现在制度缺乏刚性约束,存贷机制错位,分割管理成本高昂,监管缺位,管理机构定位不合理。要祛除制度弊端,就要从增加制度刚性,将公积金管理中心改制成政策性金融机构,注重制度公平,改革个税免征方式等方面对公积金制度进行颠覆性地变革。Chinese housing accumulation fund system had played an important role in promoting housing reform. Nevertheless,the system,with the change of environment and passage of time,has been changed radically.The reason for this lies in the fatal system-design flaws,the lack of rigid stipulation of the system,aberration of the deposit-loan mechanism,high cost of segmentation management,absence of supervision and the unreasonable positioning of management institutions. To remove the defects,some measures-increasing the rigidity of system,transforming the Housing Fund Management Centre into policy-related financial institution,valuing fairness of the system and reforming the exemption way of income tax-should be taken to overturn the traditional Housing Accumulation Fund System.

关 键 词：住房公积金制度 基因蜕变 制度缺陷 制度变革 

分 类 号：C913[经济管理]