我国住房公积金制度运行及发展研究(1)

山西财经大学硕士学位论文我国住房公积金制度运行及发展研究姓名：王瑞申请学位级别：硕士专业：社会保障指导教师：段永蕙2011-03-15IIIAbstractSincethebeginningofthe1990’s,thehousingassuranceproblemofChinesepeoplehasreceivedmoreandmoreattentionfromallclasses.TheChinesegovernmentinitiallyestablishedtheHousingAccumulationFundSystem(HAFS)withChinesecharacteristicsthroughborrowingexperienceofaccumulationfunddevelopmentofSingaporeandcombiningChina’ssituation.Asthenecessarysupplementofmarketizationofhousingassignmentmechanism,thissystemessentiallyaimsatsolvingtheproblemofstaffhousing.Atthesametime,asahousingassurancepolicy,thehousingaccumulationfundalsohastheadvantageofpolicyfund.However,inthefunctioningprocessofHAFS,quiteafewsocialproblemshavehappened,greatlylimitingitsin-depthdevelopment.Insum,ithasbeenatoppriorityinthenation’ssocialsecuritycausetoreformandperfecttheHAFSbothfortheinterestsofpeopleandforthenationaleconomicdevelopment.Therefore,theresearchofthistopichassignificanttheoreticalmeaningandpracticalvalue.Basedonmanymaterialsandanalysis,thispaperfirstexplainstheconcept,nature,andcharacteristicsofhousingaccumulationfund,anditsrelativeresearchresultsathomeandabroad.Thenthethreedevelopmentstagesofthehousingaccumulationfund-initialization,exploration,andperfectionareretrospectto,andtheconstraintsandreasonsofthefundsystemareidentified.Followingthis,thepaperdisclosestheenlightenmentsofdevelopedcountries’HAFSsforChina.Atlast,suggestionsofperfectingChina’sownHAFSareproposedbasedontheresearchofitscontemporarydevelopment.KeyWords:ThehousingaccumulationfundsystemSystempresentsituationRestrictingfactorscountermeasures1()19911999432021234Burell2006ChiWai20061[M]19902RenaudB.TherealestateeconomyandthedesignofRussianhousingreformsPartI.UrbanStudies1995N0.32:124712643RobertM.Buckley.HousingFinanceinDevelopingCountries[M].FirstpublishedinGreatBritain,byMacmillanPressLTD,19964Gaister,G.Comparingdemandsideandsupply-sidehousingpolicies:marketandspatialperspectives.HousingStudies.1997,N0.12:561-573561-152010.5353620102067[J]2002,(7)34-36.41-18192212010109842010851020101140411No.1,20106122002324132008414200841520061271620095891017.200631112182009.201086/A111319:2009.()/2010/3/3/00314152020070416212009111722.200902184-11923200922021222324HDB5-125265-227282930313233345-335363738394041我国住房公积金制度运行及发展研究作者：王瑞学位授予单位：山西财经大学本文链接：