住房公积金屡遭挪用,主要原因在于监管缺位。此说法有些道理,但没有揭示根本。监管缺位,确实导致住房公积金很容易被挪用,但这只是充分条件。制度设计上的缺陷,则是住房公积金被挪用的必要条件。本文将会以制度缺陷与绒管理缺位为视角对公积金在管理过程中屡遭挪用的原因和对策进行探讨。 The housing fund has repeatedly been misappropriated, mainly due to lack of supervision. This argument makes some sense, but did not reveal the fundamental. The absence of regulation actually causes the housing provident fund to be easily appropriated, but this is only a sufficient condition. System design flaws, it is the necessary conditions for the transfer of housing provident fund. This article will explore the causes and countermeasures of CPF being repeatedly misappropriated in the management process from the perspective of institutional defects and cashmere management absences.