The Impact Of Housing Accumulation Fund System On Different Income

Housing accumulation fund system is a very important housing guarantee system for the government to resolve the worker's housing problem and to promote the development of the people's livelihood.Our country of the implementation of the housing accumulation fund system began in 90 s last century,the earliest to Shanghai first to set up the pilot study of Singapore's central provident fund system.In order to promote his income redistribution,contribute to China's urban housing system reform and improve the consumption ability of worker housing plays a vital role.The implementation of the policy of housing accumulation fund status has been the focus of the government and social livelihood of the people problem.In recent years the real estate market growing led to house prices high,the worker housing problem has become one of the big people's livelihood problems to be solved for a time.Under the leading of the government,the public accumulation fund of housing construction in recent year policy has been vigorously implemented in different places.But unfortunately,despite the housing accumulation fund system is perfect,but the implementation of the policy of housing accumulation fund is still having some.limitations and shortcomings to be improved.Among the more prominent problem is due to the increase in residents income gap between China in recent years,the housing accumulation fund system in terms of income redistribution effect is not obvious,only increases the formation of the gap between rich and poor.Although the specification,especially the capture puts housing accumulation funds system theory but relatively complicated to implement.From the perspective of the efficiency and fairness of the public accumulation fund of housing construction,housing accumulation fund system.although the overall basic housing conditions had improved,but virtually no for low-income groups of the housing and provide strong support.The gap between the rich and the poor also caused the gap between the urban residents' housing consumption of China.Make purchases and real estate problems on resource allocation.As an important component of social security,the housing accumulation fund system does not support the effect of housing consumption in middle and low-income classes,and even further widen the income gap between different income groups.Accumulation fund is not only in different income groups,and even between different industries,different areas,there is a measure of inequality.And this article will through the Lorenz curve analysis of housing accumulation fund to pay and extraction of the influence of different income levels,and through the calculation of the Gini coefficient analysis system of housing reserves the income redistribution effect.And analysis based on different income levels on the performance evaluation of the public accumulation fund for housing construction and puts forward the Suggestions.Because so far,China has yet to establish a national statistical data and the Gini coefficient of housing accumulation fund statistics.So the research on the improvement in the data onto housing accumulation fund also has a great significance.Research on housing accumulation fund according to the different income groups,not only can promote the reform and construction of housing accumulation fund,but also can provide theoretical support for the perfection of the system of housing accumulation fund.The management of the housing accumulation fund system,the use of funds and rational allocation of resources has a positive role in guiding.Through domestic and foreign social security system of social security system,draw lessons from successful experiences of power for the housing market.Promote the development of housing and the improvement to people's living standards,promote the comprehensive development of market economy and national economy.In this paper,all levels of the public accumulation fund of housing construction in Beijing data onto analysis.Analysis the different income groups to pay housing accumulation fund of Beijing after the change of the income and the change of Gini system calculation,and then calculates the different income levels after the extraction of housing accumulation fund income and the Gini coefficient changes.The effect of the redistribution effect of housing accumulation fund is analyzed.Through the analysis of the results finally,the author believes that the Beijing housing accumulation funds to capture to puts the role of the system of income redistribution to little effect.Generally carries to expend the specified amount of public accumulation fund of housing construction is proportional to the income,but the contribution rate did not consider income levels of a certain volatility,housing accumulation fund system for all levels of the utility of broadly similar,not to the low-income groups in the tilt,embodies the policy after the implementation of housing accumulation fund,for the moment to Beijing at all income levels to improve the condition of income.And there is no narrowing of the income gap between different social classes.The extraction of housing accumulation fund and applicable range efficiency is not high.There are many places need improvement.To this,this article put forward the corresponding to promote coordinated development of the public accumulation fund of housing construction in each class,income after deposit,increase the effectiveness of housing accumulation fund in low and middle income class,thereby promoting income redistribution.Including specification different income levels to capture to puts scale;Relaxing individual extraction condition and scope;Define the class orientation of housing accumulation fund system;Improve the system of the public accumulation fund for housing construction design.