Research On Fairness Of Raising And Using Housing Accumulation Fund In Wuxi City

Housing provident fund system began in the early 90’s in twentieth Century, is an important part of the housing security system in China. It has played an important role to improve urban workers’ housing conditions since established. With the rapid development of the economic system reform and the real estate industry, Wuxi housing provident fund in the process of raising and the use of facing deposit coverage unbalanced, robbing the poor to aid is rich, contrary to the fair. At present, Wuxi housing provident fund raising and the use of the unfairness of the completely deviated from the housing provident fund system should be guaranteed, but become low-income support tool for high income earners to purchase, so it should be from the housing accumulation fund raising and use of policy on the corresponding adjustment.This paper from the analysis of Wuxi housing provident fund policy and implementation status, this paper discusses the Wuxi housing provident fund in solving the residents of the housing security problem, improve the residents the ability to purchase and play a huge role. At the same time, through to Wuxi nearly five years of housing provident fund deposit amount and the amount of data comparison, discovered the existence of a unit where the workers paid impact categories individual housing provident fund deposit; unbalanced Wuxi five block face housing provident fund deposit regional covered; Wuxi housing provident fund extraction harsh conditions; loan "robbing the poor to the rich" tendency; housing provident fund value-added benefits undistributed to paid workers, such as a series of unfair problem. The Wuxi housing provident fund raising and the use of appearing in the process of the unfair reasons are analyzed, and combined with the foreign housing security funds raising and usage patterns, the Wuxi housing provident fund policy suggestions and measures to improve. Hope that under the new situation in the new period, through dynamic adjustment Wuxi housing provident fund deposit base and the proportion, innovation Wuxi housing provident fund deposit registration management, relax housing provident fund withdrawal and modify the overpayment many loan lending policies, clear value-added benefits all right method, the Wuxi housing provident fund system truly become part of the strong support of the security system of low-income groups.