Study On The Running Efficiency Of The Prefecture Level City Housing Provident Fund System

On the basis of principal-agent theory, the mandatory savings theory and new welfare economics theory, this thesis summarizes the low coverage deposit, huge gap between industries, high extraction threshold, complicated procedures, excessive loan restrictions, low efficiency of fund management, insufficient operation to prevent the risks of collect, extraction, loan and funding liquidity, unprofessional core personnel management such as slack administration and anticipation of the legal regulations so on, in deposit, extraction, loan, and value-added income distribution data of housing fund system in Guang an by literature research, qualitative research and data analysis on history of the system of housing accumulation fund execution policies, and the data of deposit, extraction, loan, and value-added income distribution in current 3 years in Guang an. Moreover, it analyzes the causes of problems such as system chart, loan origination, and repayment pressing, unsound housing fund’s core inside controlling mechanism, government’s inadequate attention and supervision, social mass’ slack understanding. This paper states sound system chart to set up scientific deposit mechanism, referring to advanced foreign lessons factors in the housing fund system, it expands housing accumulation fund vertically and horizontally, designs reasonable loan mechanism based on the principal-agent theory with personal debt policy tilted to low-income families, establishes a sound internal control system, strengthens the role of the housing accumulation fund management committee, builds cross-regional provident fund balance adjustment mechanism, loosens reserve balance investment channels, forms two-level supervisory mechanism optimized agencies to eliminating misunderstanding by actively propagating above-mentioned measures to solve inefficiency of current housing accumulation fund running.Therefore I hope it can have certain reference significance for housing accumulation fund system reform in other cities.