| In planned economy era, what our country implemented is the welfare-oriented public housing distribution system, but later on, with enterprise reform and economy transition going on, original system of welfare houses distribution can't meet the development of economy already. However, some questions have appeared in the transition of the welfare-oriented to the currency public housing distribution system, after losing the welfare-oriented public housing distribution system, the income of some middle and low income groups is still not enough to buy one's own house, the country needs to offer certain social welfare at this time, then the system in thick ink of housing public accumulation fund comes on stage.The housing public accumulation fund is savings of long-term house that a worker and his unit paid, the component of house monetization, belong to the worker all of individuals. Our country pursues the system of the housing public accumulation fund, its main purpose and meaning lie in changing distribution systems of the house, is it turn to one of the means and measures that the currency assign to assign house, in order to raise the proportion of house consumption in salary incomes progressively. The system of the housing public accumulation fund is not merely a kind of means to raise house fund, and bores the important task of the system changing at the same time.So far, our country has pursued the system of the housing public accumulation fund already for 14 years, as an effectual measure and breakthrough point, impetus of the housing public accumulation fund to housing commercialization, has been already approved basically by the masses of urban residents. This reform action, for promoting the development of real estate and relevant industries, helping urban workers to live by themselves, has played a role that it should have too. However, investigate this development of system more than ten years actually, especially...
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