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公积金,一直是社保统筹基金里最显眼的“一金”。与养老金、医疗金、失业金相比,公积金的含金量无疑最足,也最为社会大众所关注。虽然这“一金”的成色比其他社保统筹基金更足,但是,如此庞大的公积金结余到底有没有发挥其应有的作用,社会一直有所疑问。在这种背景下,进入2014年,公积金改革驶入快车道。最近,住房城乡建设部、财政部和中国人民银行联合发布《关于发展住房公积金个人住房贷款业务的通知》,不仅首套自住住房公积金贷款额度适当提高,而且还将优化办理流程,
Provident Fund, has been the most prominent social security fund “ a gold ”. Compared with pensions, medical benefits and unemployment benefits, the provident fund is undoubtedly the most adequate and the most concern to the general public. Although this “one gold” is more adequate than any other social security pooling fund, it has always been doubtful that such a large fund surplus will play its due role. In this context, into 2014, the provident fund reform into the fast lane. Recently, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People’s Bank of China jointly issued the “Notice on Developing Individual Housing Loans for Housing Provident Fund”. Not only the loan amount for the first self-occupied housing provident fund has been appropriately raised, but also the handling procedures will be optimized.