金融理论与实践
金融理論與實踐
금융이론여실천
FINANCIAL THEORY AND PRACTICE
2015年
1期
55-57
,共3页
住房公积金%政策性住房金融%住房储蓄制度
住房公積金%政策性住房金融%住房儲蓄製度
주방공적금%정책성주방금융%주방저축제도
provident fund%housing finance policy%housing savings system
我国住房公积金制度经过15年的发展，在住房制度改革和房地产市场发展中发挥了不可忽视的作用。但是近年来，国内理论界以及社会公众对住房公积金制度的批评和质疑不断增多，要求改革公积金制度的呼声日益高涨。客观来看，住房公积金制度本身也的确暴露出诸多亟待解决的问题，这些问题涉及公积金归集、提取、管理体制等各个环节，已到了不得不改的关键时刻。借鉴国外经验，短期内应继续坚持这一制度，并尽快启动二次修改；中长期应转变为专业化的住房储蓄银行制度。
我國住房公積金製度經過15年的髮展，在住房製度改革和房地產市場髮展中髮揮瞭不可忽視的作用。但是近年來，國內理論界以及社會公衆對住房公積金製度的批評和質疑不斷增多，要求改革公積金製度的呼聲日益高漲。客觀來看，住房公積金製度本身也的確暴露齣諸多亟待解決的問題，這些問題涉及公積金歸集、提取、管理體製等各箇環節，已到瞭不得不改的關鍵時刻。藉鑒國外經驗，短期內應繼續堅持這一製度，併儘快啟動二次脩改；中長期應轉變為專業化的住房儲蓄銀行製度。
아국주방공적금제도경과15년적발전，재주방제도개혁화방지산시장발전중발휘료불가홀시적작용。단시근년래，국내이론계이급사회공음대주방공적금제도적비평화질의불단증다，요구개혁공적금제도적호성일익고창。객관래간，주방공적금제도본신야적학폭로출제다극대해결적문제，저사문제섭급공적금귀집、제취、관리체제등각개배절，이도료불득불개적관건시각。차감국외경험，단기내응계속견지저일제도，병진쾌계동이차수개；중장기응전변위전업화적주방저축은행제도。
China’s Housing Provident Fund System has played an important role in the development of real estate market during the past 15 years. However, criticism and questioning from domestic theoreti-cal circles and the public in housing fund system has been growing more and more in the past several years and the voice for calling for reform fund system is also growing more and more. Objectively speak-ing, the housing provident fund system itself is indeed exposes many problems to be solved, which in-clude management system, imputation deposit, extraction using, and it has reached a critical moment to have to change. From abroad good practice, we should insist on this system during short-term and start the second modification as soon as possible. In the medium and long run Housing Provident Fund Sys-tem should be turned into a professional system of housing savings banks.
