CAJ | 학술논문

住房公积金制度事实上对各地房价高涨起到了推波助澜的作用。现行住房公积金制度在解决我国城镇居民住房困难的同时，已经偏离了其最初的价值目标，起到了扭曲公平与效率、促进房地产市场“升温”、限制居民消费等负面效果。住房公积金制度推行的历史条件已经完全改变，通过改良方式无法根本改变现存弊端，建议废除现行住房公积金制度，代之以其他的举措。
주방공적금제도사실상대각지방개고창기도료추파조란적작용。현행주방공적금제도재해결아국성진거민주방곤난적동시，이경편리료기최초적개치목표，기도료뉴곡공평여효솔、촉진방지산시장“승온”、한제거민소비등부면효과。주방공적금제도추행적역사조건이경완전개변，통과개량방식무법근본개변현존폐단，건의폐제현행주방공적금제도，대지이기타적거조。
The housing fund system plays an incentive role in the escalating the house price all around China. The current housing fund system, as it solved the urban residents' housing difficulties. At the same time it has deviated from its original object, with the side effect of distorting fairness and efficiency, boosting the warm-up of real estate market, and restricting the residents' consumption. The underlying historical condition for the enforcement of housing fund system has totally changed, so it is time for us to abrogate the current housing fund system and apply substitute measures, since the improvement of method can not fundamentally change the existing drawbacks.