CAJ | 학술논문

住房公积金制度在我国住房分配制度的改革上起到了引导作用，但是，随着社会经济进一步发展，现有的住房公积金管理制度已经明显不适应目前形势的发展。2014年3月13日全国“两会”闭幕后，原本饱受争议的住房公积金制度再次引发公众的探讨，越来越多的公众质疑住房公积金的劫“贫”济“富”现象。通过深层次分析住房公积金制度劫“贫”济“富”的缘由，探索我国住房公积金的发展路径，提出确定合理的缴费率、扩大住房公积金的覆盖范围和多渠道实现公积金投资、合理利用住房公积金的增值收益等手段来完善我国的公积金制度，使其更加适应城镇化发展的要求，让住房公积金普惠于民。
주방공적금제도재아국주방분배제도적개혁상기도료인도작용，단시，수착사회경제진일보발전，현유적주방공적금관리제도이경명현불괄응목전형세적발전。2014년3월13일전국“량회”폐막후，원본포수쟁의적주방공적금제도재차인발공음적탐토，월래월다적공음질의주방공적금적겁“빈”제“부”현상。통과심층차분석주방공적금제도겁“빈”제“부”적연유，탐색아국주방공적금적발전로경，제출학정합리적격비솔、확대주방공적금적복개범위화다거도실현공적금투자、합리이용주방공적금적증치수익등수단래완선아국적공적금제도，사기경가괄응성진화발전적요구，양주방공적금보혜우민。
Housing provident fund took the lead in the reform of the housing distribution system. However,with the further development of social economy,the existing housing provident fund system doesn’t apply to the present situation. After the end of two sessions on 13th March 2014,people in mounting numbers voice growing concern over the controversial system:the phenomenon of“rob the poor and assist the rich”. This paper analyzes the causes of the phenomenon,explores the development path of housing fund,and presents the following ways to improve China’s provident fund system: resetting the contribution rate and enlarge the coverage of housing provident fund,optimizing investment of the fund in a multi-channel portfolio,and utilizing reasonably the added value of the fund. We hope all these ways would meet the needs of urbanization and make housing provident fund beneficial to citizen.