Research Of Improving Our Housing Provident Fund System From The Angle Of The Fair And Efficiency

Housing provident fund system is a national management system of the residence margin to control the definite direction to used for residence developments or housing fund by law means, economic means or the administration means. It has the characteristics of social, mutual aid, guarantee and the policy.In recent years,the distance of income in residents in our country region and between the rich and the poor of town is still at extend. Income between the rich and the poor has already shaped and becomes more and more bigger. This kind of distance also caused the distance of housing in our town residents Original intention of housing provident fund the system is to help the town residents to buy the houses, and let the common officers and workers especially the low income family to buy house or have a place to live by social mutual aid. So that, it can guarantee the social equity, and maintain society stability. But the actual data expressed that the result of housing provident fund system supporting low income stratum's housing consume is not obvious, On the contrary, housing provident fund system even caused further distance between social community incomes.The economics principle tells us, equity and efficiency's dialectical relations is: if no the market efficiency, society fair is impossible. It's very far to citizen life and modern national economy. The same is that under the social unjust, efficiency is only short-term, part of inequity market efficiency, the social's unfair would certainly injure the further exaltation of the market efficiency and social stability and development. We research the current cover scope of housing provident fund system and the kinds of covered crowds, also included the characteristics of people who acquired housing loans. Then the Article researches the problem of social fair of our country urban housing provident fund system, indicates what reason that inequity of provident fund housing system results in, and brings up solutions to solve this problem.Finally, this article compares. Foreign housing systems with Chinese housing provident fund system to analysis the differences of the housing system of America, Germany, and Singapore with Chinese's. And it suggests that we should absorb the advanced Methods of Foreign housing systems. The article gets Summaries to all researches and brings up the new directions of Chinese housing provident fund system.