Research On Revolution Of Housing Accumulation Fund Of Our Country

Housing accumulation fund system is a result of housing policy reform in our country, set up to solve the problem of housing construction funds shortage at the beginning of the play an important role.With the improvement of the market economy and the deepening of the rule of law construction, the problems existing in the system of housing accumulation fund is exposed gradually.The current legislation system of housing accumulation fund, regulatory model, etc., are not meet the requirements for the development of market economy.Reform of the housing accumulation fund system, which was built in line with the current financial situation of our country’s housing security system, unified principle and flexibility-oriented system design, is the direction of the reform of China’s housing fund system.This paper is divided into five parts: The first part is an introduction, briefly introduced the housing provident fund system concepts, features and theory, other scholars have studied this part, so this will not repeat them.Secondly summarizes the research situation of housing accumulation fund system reform in our country, and briefly introduced in this paper, the main research method, innovation points and perfect the system of the overall train of thought;The second part for the development of housing accumulation fund system in our country, probe into the cause of the establishment of housing accumulation fund, clear the background of the establishment of housing accumulation fund system and the function;The third part is the present situation and problems of housing accumulation fund system in our country, mainly analyzed from the point of law, combining with related laws, regulations and the provisions of the legislative status quo of housing accumulation fund system, management system, supervision and right relief and so on are analyzed respectively, and puts forward the main problems;The fourth part is the study of the relevant systems and its Significance abroad, mainly introduces the Singapore Central Provident Fund, the German housing savings system and the national housing fund system in South Korea, they are distinctive, for the reform of the housing accumulation fund system is an important reference significance;The fifth part is a proposal for reform of the housing provident fund system proposed major problem for the third part of the analysis, combined with the fourth part related reference system, put forward specific proposals for reform.In this paper, the main problem of housing provident fund system currently existing in the running, advocates the improvement of legislation, improve housing fund management center, the banking regulatory authority established based supervision system, and improve the rights and other relief channels. In the specific reform proposals, to take a minimum deposit system, stored and loan interest rates of compensation mechanisms, in order to ensure uniform principles of reform and flexibility.