Study On The Problem Of The Fairness Of House Accumulation Fund

The housing problem which is one of China’s new three moutains,has been a hot spot and the focus of attention. As an important part of China’s housing system, housing accumulation fund has also gained great attention.With the reform of China’s housing system from physical distribution to the monetary allocation, housing accumulation fund has made a great contribution to this housing system reform,and it has also played a very good protection effect to our country town workers. But in the process of development,it needs to be improved for itself,especially the fairness problem of the housing accumulation fund which is about whether it can stablely and healthily develop.By reviewing the background and the development process of housing accumulation fund in our country, this paper discusses its basic properties and characteristics and its function orientation and operation management mode, it is concluded that China’s housing accumulation fund have the double functions of housing security and housing finance. This paper uses the relevant theories of western economics, the method of qualitative and quantitative analysis and normative analysis to study the current issue of unfair housing accumulation fund. This article does not just confined to a comparative analysis of the concept or idea of fairness, but from the reality, the fair is divided into several categories, tring to explain the essence of the essential characteristics of the fair and the fair itself two characters. By this classification can be more profound understanding of he unfairness of the essence of China’s housing accumulation fund,and put forward corresponding countermeasures and improving measures.In this paper, the fair is divided into " interest-allocation type " fairness," operation-program type " fair and " right-rules-based " fair. The interest-allocation type fairness mplies the distribution of fairness,which is about whether the housing preferential policy of housing accumulation fund has been covered who should be covered.The operating procedures of fair mainly analyzes whether China’s housing accumulation fund be allocated in accordance with the principle of fairness and the process of their assigned program operations that are fair.The rights rule-based fair housing fund has the right to apply the requirements of the residents of the housing fund, and all those who are paid in accordance with the same rules to participate in the housing fund system.Finally, this paper puts forward the improving path choice of unfairness of housing accumulation fund in our country.Firstly,we should further expand the coverage of the housing accumulation fund to achieve its opportunity to pay a fair and flexible base and to determine the proportion of pay in order to achieve a fair starting point, thus housing accumulation fund to achieve a fair distribution of benefits type;Secondly, the fund allocation mechanism should be optimized in order to achieve value-added benefits of the principle of fair value gains and improving housing fund provision for equitable way to achieve operation to achieve the type of housing fund operating procedures fair.Thirdly,we should improve the standard of housing provident fund loans in order to achieve the right to a fair and robust housing provident fund deposit and lending mechanisms and broaden its use to achieve fair rules.