The Study On Deepening Reform Of Housing Provident Fund In Bengbu City

In the era of planned economy, the urban workers living problems are settled by building public house allocation to the worker or low rent to solve. When housing is not a commodity, the physical distribution way, as a kind of welfare, has played a role in worker housing problem. Because there is no ownership, people cannot buy and sell this house. Houses in this case are a kind of public products. Finance and unit only input high maintenance cost and have no benefits. Distribution difference and unfair that exist makes the contradiction in housing, to some extent, restricted the economic development. With the development of reform and opening up, the country liberalized the restrictions on housing, commercial housing system is established, which allows private housing construction to have its own property. Open the prelude of the housing system reform in our country.The purpose of the country implementing housing reform is to establish a commercial housing system to promote the healthy development of the real estate market and improve the living condition of urban workers. However, as must living data, housing belongs to the high price of real estate and purchasing requires a lot of money. Despite the economic boom has brought the rapid growth of the people’s income buy-backs. But a rising tide lifts all boats, combined with the real estate market of explosive growth, residents of the real purchasing power and can’t satisfy the demand of the money to buy a house. In order to solve the problem of urban housing financing as soon as possible, Our country widely absorbs the experience of other countries’ housing system, and ultimately selected Singapore housing system as a blueprint, establishing the system of housing provident fund of China.Housing provident fund system is one of the largest housing security systems to help low and middle income earners to solve living problems and realize the party congress report puts forward the important guarantee to the target. Since 1991, more than 20 years, it has made remarkable achievements. It promoted the commercialization of the building and it has become the accumulation fund capture puts worker housing financing, improving the living conditions of strong support, and provides a huge "low-rent housing" supplementary capital, laid the foundation for China’s housing security system, contributing to the construction of a harmonious society. On July 1,1994, Bengbu implement system of housing provident fund and set up housing fund management center, which belongs to the Bengbu bureau subordinate departments. According to the 2002 revised "regulations on the administration of housing provident fund (hereinafter referred to as the regulations), Bengbu housing provident fund management center was established in late 2003.Great achievements have been obtained by certain system of housing provident fund at the same time. We also clearly realize that it has some defects and shortcomings. From the author’s own reserves management center, there are some problems in Bengbu housing provident fund system. Capture puts coverage is not high, and the gap is big. Single source of funds and flow between regions will not affect the efficiency of funds and the collection mode. Fund settlement is not timely. Income distribution is unreasonable. Supervision mechanism is not sound. Information construction can’t keep up with the service requirements, a serious shortage of staff. Fund investment channel is narrow and the profits are low. What’s more, information is difficulty to share. Taking loan fraud often happened. Loan process, long period and more accumulation fund law enforcement are difficult, which cannot guarantee the rights and interests, etc. All we need to study is how to improve and perfect system of housing provident fund. According to the demand of the comprehensively deepen reform,using the literature research and empirical study method, comparative method and experience summary method to collect and organize a large number of literature at home and abroad, the related system of housing provident fund of monographs, documents, papers and paper information induction, analysis and summary form their own views; Combined with the four comprehensive new normal and its own working practice, and through the method of empirical analysis of Bengbu housing provident fund management center. The raw data should be summarized and analyzed to find out the main problems existing in the housing provident fund management:arts and accumulation rate is not high; capital management efficiency is low; operation regulation and lack of fairness and universality. To enhance persuasion, analysis data, with comparison method should be used to prove that questions of authenticity. Then in view of the problem analysis, respectively from the imperfection of the laws and regulations, the organization is set up not scientifically. Relevant social environment does not adapt to several aspects of analyzing the causes of the problem. It provides a powerful reference for the reforming of the housing provident fund system through putting forward the further perfecting system of provident fund of the laws and regulations and norms related to improve organizational structure, strengthening the construction of management personnel’s quality and ability and fostering a good social environment.In a word, and the social security system, a sound system of housing provident fund has become a social stabilizer. Only by constantly perfect the reform, can it foster strengths and circumvent weaknesses to let in the value of housing provident fund at the same time, giving full play to its social benefits. Better housing provident fund speed up the urbanization process, to solve the worker housing problem, promote staffs living level, better optimize the industrial structure, better promote employment, social stability and economic development. Through the real estate market, it cultivates new economic growth point.