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随着我国经济的高速发展,人口老龄化问题日益突出,城市化进程进一步加快。住房公积金制度存在的调配缺陷问题也逐渐暴露,导致各地区住房公积金利用出现两极分化现象,即资金缺口增大和大量资金闲置。本文重点对住房公积金可持续利用面临的净流出速度加快、公积金覆盖面偏窄、公积金制度不健全,缺乏有效的调控手段等问题展开深入探究。力求客观全面分析问题,解决问题,为住房公积金制度改革发展,重新定位,构建完善的金融体系提供可行性建议。
With the rapid economic development in our country, the problem of population aging is increasingly prominent and the process of urbanization is further accelerated. Housing accumulation fund system exists the problem of deployment defects are gradually exposed, leading to the use of housing provident fund in various regions of the phenomenon of polarization, that the funding gap increased and a lot of idle funds. This article focuses on the issues of rapid net outflow of housing accumulation fund sustainable utilization, the relatively low coverage of provident fund, the inadequacies of the provident fund system and the lack of effective regulatory measures. Strive to objectively and comprehensively analyze and solve problems, and provide feasible suggestions for the reform, development, repositioning and construction of a sound financial system of housing provident fund.