The Utilization Efficiency Of Xiangtan Housing Fund

Housing accumulation fund system is an indispensable aspect in housing finance system,but since 2013,most of scholars believe that housing accumulation fund use efficiency is low,established did not achieve its original intention,even more the unfair distribution.In combination with the policy of "de-stocking" by the state,the ministry of housing and construction in 2015 and 2016 has been asked to increase the efficiency of the housing accumulation fund and reduce the surplus funds.Based on this situation,the city of xiangtan has changed the policy several times to improve the efficiency of housing accumulation fund.However,it is not yet clear whether the efficiency of the housing accumulation fund in xiangtan city will be achieved.This paper combines the condition of xiangtan city housing accumulation fund management and business data,studies the xiangtan city housing accumulation fund management center for four adjustment policy changes after the service efficiency of funds,and puts forward some Suggestions of further increasing the service efficiency of the public accumulation fund for housing construction,to promote the rational allocation of funds management center,in order to strengthen the management of funds,it may serve as a reference for increasing the service efficiency of funds.This article first introduces the definition of the public accumulation fund for housing construction,features,detailed expounds the formation and development of the housing accumulation fund system in China,summarized the influencing factors of housing accumulation fund use efficiency,build the evaluation index system of housing accumulation fund use efficiency.Then,combined with 2011-2016,xiangtan city housing accumulation fund business data,using empirical analysis method,the input index(deposit)and output index(extraction,loans,bonds and value-added benefits)for system analysis.Based on the theory of input and output under the perspective of the service efficiency of funds,through the entropy method to determine the xiangtan city from 2011 to 2016 of the indicators in the evaluation system of housing accumulation fund use efficiency ratings,the comprehensive evaluation method is adopted according to the score to make a comprehensive evaluation of the service efficiency of funds.Finally,we concluded that the input indicators were steadily increasing.Output indexes from 2011 to 2014,steady growth,but growth sharply after 2015,especially the big increase in loans indexes after 2015,the output indexes of the extracted class indices and capture puts index increase in input indexes,bond index in a declining state,steady growth of value-added income in 2011-2015 after sharp drop in 2016,confirmed the management center of the four policy adjustments to improve the service efficiency of funds have played a role,but it remains to be further improved.Intensify the collection covering was developed based on the evaluation results,improve the loan policy,deposit interest rates to change ladder,to improve the service efficiency and so on,in order to further improve the efficiency of xiangtan city housing accumulation fund use,make full use of the collection of funds,the use of reasonable allocate funds,benefit more housing accumulation fund capture puts worker.