Research On The Use Efficiency Of Housing Provident Fund

The housing provident fund system is a very important housing financial security system in China,as well as a core system.Today,the housing accumulation fund system has been more than 20 years,to establish and perfect our country’s housing security system plays an indelible role in the process,in the development of the real estate business,pull the worker consumption plays a good role in promoting.But it is undeniable that the current operation process of the housing accumulation fund of funds there are still many deficiencies of the important thing is that the public accumulation fund for housing construction funds use efficiency is low,a large amount of precipitation funds can’t play to utility.ZMD city housing accumulation fund management center,therefore completes the accumulation fund of funds management standardized,scientific,economization,by selecting the appropriate way to revitalize the precipitation funds,thus increasing the service efficiency of funds.This study with ZMD city housing accumulation fund management center as the research object,through the literature research combing system of housing accumulation fund concept,properties and characteristics,etc.,to understand the current situation of the housing accumulation fund system in current China,objectives and responsibilities,and study of domestic and foreign literature about application of housing accumulation fund capital,summarize advanced experience of abroad it is concluded that to improve ZMD city housing accumulation fund service efficiency of funds.By combining collect of ZMD city housing accumulation fund,personal loan balance,value-added income,capital utilization rate,rate of capital operation,such as personal loan rate from 2011-2016 statistical analysis of the actual data and index to study the status ZMD city housing accumulation fund service efficiency of funds.In the developed countries housing loan funds run by studying the experience and using the large amounts of data to ZMD city housing accumulation fund based on the analysis to the using conditions of the current system can draw on the premise of expanding accumulation fund sources and the surface of the deposit,play the role of the government’s supervision and regulation of housing accumulation fund,to furtherexplore new channels of funds use,determine the reasonable use of capital structure,improve the mechanism of the agreement deposit,provident fund mortgage securitisation,multi-pronged,such measures simultaneously,more sure of ZMD city housing accumulation fund of funds will help to enhance the efficiency of using.