目前,全国项目贷款余额约占住房公积金归集余额的2.3%。按照在岗职工计算,全国还有约40%、4430万职工没有建立住房公积金制度。部分地方执法不力,不少应建能建公积金的单位没有履行缴存义务。特别是,在非公有制经济组织建立住房公积金制度进展缓慢、工作力度不够。资金使用率低,住房公积金制度作用尚未充分发挥。目前全国住房公积金使用率只有48%,还有约1800亿元资金沉淀在商业银行。贵州、陕西、海南、河南、新疆、山西、重庆、甘肃、河北 At present, the loan balance of the national project accounts for about 2.3% of the outstanding balance of the housing accumulation fund. According to the on-the-job staff and workers, there are about 40% of the country, 44.3 million workers did not establish a housing provident fund system. In some places, the law enforcement was ineffective and many units that should be able to build a fund did not fulfill their deposit obligations. In particular, the non-public economic organizations to establish housing provident fund system is slow, not enough. The utilization rate of funds is low, and the function of housing provident fund system has not been brought into full play. At present, the national housing provident fund utilization rate of only 48%, there are about 180 billion yuan of funds deposited in commercial banks. Guizhou, Shaanxi, Hainan, Henan, Xinjiang, Shanxi, Chongqing, Gansu, Hebei