Macro-control System Of Housing Accumulation Fund Research

System of housing accumulation fund in China is one kind of long-term housing savings system, which is built along with the national economy development and in the urban housing reform process for transforming housing allocation system, enhancing the worker's purchasing house ability and promoting the housing construction and expends.In 1991, China took the lead to establish the system of housing accumulation fund in Shanghai basing on the advanced experience of Singapore's Central Provident Fund scheme, which was modified to suit the fundamental realities of the country, until now has experienced several years development course. In these several years, the housing accumulation fund system played the vital role and obtained the actual effect in terms of deepening (impelling) our country housing system reform, but exposed some certain flaw at the same time.Through the research of overseas correlative system and operation condition of domestic housing accumulation fund system, the paper emphasizes to analyze the effect and the existing question of our country housing accumulation fund system, then proposes the corresponding question solution mentality basing on the comparative analysis to the two systems.Combining existing question in the management and operation of housing accumulation fund system now, the paper further explores (several aspects, such as )how to establish the policy localization of the housing accumulation fund in the present stage, how to realize formal system of the housing accumulation fund, how to manage and use well the housing accumulation fund the work captured, how to accomplish the housing accumulation fund goals of "well-regulated, advanced administrated, standardized operated, fund safety ", then met the requirements which the country proposed as standard and scientific management of the housing accumulation fund.