Research On The Measures To Improve The Management Of Housing Provident Fund Loans Of Shenyang

Housing provident fund system has been gradually established in the process of China's housing reform in the early 1990s.China's housing provident fund system improved through the more than 20 years,and played an important role in many aspects contribute to solving peoples' growing consumption and housing demand,realized the dream of home ownership.China's housing provident fund loans refers to commercial banks commissioned by the Housing Fund Management Center,housing loans issued to the housing fund workers,by the way of personal storage,low interest loans and mutual benefit.It not only ensures the rigid housing demand of employees,but also stimulate public consumption,promote the development of the market economy.Housing Fund Management Center of Shenyang,which has made a series of advances in the management of housing provident fund loans,since being founded.But there are still exist legal system imperfect,different classes' deposit ratio is not reasonable;complex approval,low usage,illegal loans;information opaque,the internal and external lack of supervision and other issues.So we will improve the operation and management of housing provident fund loans from the three aspects,to put forward to perfect the management of the provident fund loans corresponding opinions and suggestions,based on the theory of new public service.This paper can be mainly divided into the following six parts:Part one,the introduction.It mainly includes the purpose and significance of the research,literature review,research methods and innovative points.Part two,the introduction to the management of housing provident fund loans,and both the theoretical basis and applications in the article.Part three,in view of the research on management problems of housing provident fund loans in Shenyang,it put forward the analysis of the problems and causes.Part four,the introduction of domestic and foreign housing loan management experience.Part five,put forward the countermeasures to improve the management of housing provident fund loans in Shenyang,from the three parts of policy design,policy implementation,policy supervision.Part six,the last conclusion parts,it points out the conclusions and the shortcomings of the research.