Study On The Regional Development Of Chinese Housing Accumulation Fund

The Housing accumulation fund system in our country draw lessons from the successful experience of Singapore central Accumulation fund system, now it has positive effect in the aspects of developing housing construction funds source and raise the ability of residents buying the house. But with the deep turn of socialism market economy, the district of economy margin gradually extension, the housing Accumulation fund system also perform obvious local area characters. But in reality, the essence regulation was neglected, the housing accumulation fund system cause unfair phenomenon gradually.The article use norm analysis and substantial evidence research, set out from the basic theories of the housing accumulation fund, aim at current problem in the housing accumulation fund, and at draw the conclusion: put forward establish the local area housing finance support organization and practice flexibility pay rate.The housing accumulation fund is a organization, stationed business enterprise, town in nation collective business enterprise, outside the company the investment business enterprise, the town private enterprise and other town business enterprise, business unit, officers and workers pay to save of long-term housing savings. The housing accumulation fund develop the scale and mode and its district comprehensive economy, the article establishment research the housing provident fund circulate the index sign system of mechanism, analysis factors that influence our country the housing provident fund circulate of factor: one. Economy development level; Two. Society guarantee development level; three. The residents consume level; Four, the real estate industry development level.This article put forward setting up the local area housing finance support organization, its theories foundation is that the housing accumulation fund circulate the local area exist development difference in our accumulation country, the organization establish on the housing accumulation fund development accumulation the equal of the region bring into same business scope, carry on orchestration accumulation arrangement, and realization dissimilarity of the district the housing provident fund adjust mutually and reasonable usage, the exaltation our country, the housing provident fund is whole circulate of scalperformance. This article still at the housing provident fund local area development difference theories of foundation up, analysis the housing provident fund pay practice flexibility of the possibility of fee rate, in end, writer to the local area housing finance support organization at macro view and tiny view level of circulate the mechanism carry on study.The research to the housing accumulation fund system in our country, may be arrive certain push function to the current housing accumulation fund system reform, and solve the current problem exist in the housing accumulation fund system. Promote the housing accumulation fund system keeps on in our country, and keep health development, slice solid guarantee to the large medium the low-income community.