华东经济管理
華東經濟管理
화동경제관리
EAST CHINA ECONOMIC MANAGEMENT
2015年
3期
1-5
,共5页
住房公积金%制度演化%阶段性%渐进性
住房公積金%製度縯化%階段性%漸進性
주방공적금%제도연화%계단성%점진성
housing accumulation fund%institutional evolution%stage properties%progressive properties
中国的住房公积金制度经过了20多年的发展历程，在这历史进程中，其对推进中国的住房体制改革、提升居民住房消费能力、改善居民居住条件、促进房地产业发展和繁荣起到了十分关键的作用。同时，住房公积金制度公平失衡、效率弱化、功能异化、监管疲软、风险加剧、服务滞后、矛盾突出等问题日渐显现，对住房公积金制度改革的呼声越来越高。文章对我国住房公积金制度进行系统的回顾，分析我国住房公积金制度产生的历史背景，归纳住房公积金制度演化发展的基本特征和阶段特性，阐明该制度以渐进的制度变迁方式进行演进变迁的内在逻辑。
中國的住房公積金製度經過瞭20多年的髮展歷程，在這歷史進程中，其對推進中國的住房體製改革、提升居民住房消費能力、改善居民居住條件、促進房地產業髮展和繁榮起到瞭十分關鍵的作用。同時，住房公積金製度公平失衡、效率弱化、功能異化、鑑管疲軟、風險加劇、服務滯後、矛盾突齣等問題日漸顯現，對住房公積金製度改革的呼聲越來越高。文章對我國住房公積金製度進行繫統的迴顧，分析我國住房公積金製度產生的歷史揹景，歸納住房公積金製度縯化髮展的基本特徵和階段特性，闡明該製度以漸進的製度變遷方式進行縯進變遷的內在邏輯。
중국적주방공적금제도경과료20다년적발전역정，재저역사진정중，기대추진중국적주방체제개혁、제승거민주방소비능력、개선거민거주조건、촉진방지산업발전화번영기도료십분관건적작용。동시，주방공적금제도공평실형、효솔약화、공능이화、감관피연、풍험가극、복무체후、모순돌출등문제일점현현，대주방공적금제도개혁적호성월래월고。문장대아국주방공적금제도진행계통적회고，분석아국주방공적금제도산생적역사배경，귀납주방공적금제도연화발전적기본특정화계단특성，천명해제도이점진적제도변천방식진행연진변천적내재라집。
China’s housing accumulation fund system has developed more than 20 years. During this historical pro?cess,this system has played a critical role in advancing China’s housing system reform,enhancing the capabilities of residents in housing consumption, improving the living conditions of residents and promoting the development and prosperity of real estate. Meanwhile,the problems concerning with the housing accumulation fund system are in?creasingly becoming prominent, such as fair imbalance, efficiency weakening, functional alienation, weak supervi?sion, risk intensifying, service lagging and apparent contradictions, etc. The voice of the housing accumulation fund system reform is growing. This paper systematically reviews the housing accumulation fund system, analyzes its historical background, summarizes its basic characteristics and stage properties of the evalusion, and classifies the internal logic of the system evolution in a progressive institutional change way.
