CAJ | 학술논문

本文首先讨论了我国住房公积金的法律属性问题，认为住房公积金本质上具有工资性，归属于缴存者个人所有但其权能受到一定的限制。其次，本文从法学理论的视角分析了现行住房公积金管理模式的缺陷，探讨了现行管理模式的三种可能的改革方向。最后，本文提出应当以政策性银行模式改革现有住房公积金管理模式，提出了完善现行制度的若干过渡性改革建议。
본문수선토론료아국주방공적금적법률속성문제，인위주방공적금본질상구유공자성，귀속우격존자개인소유단기권능수도일정적한제。기차，본문종법학이론적시각분석료현행주방공적금관리모식적결함，탐토료현행관리모식적삼충가능적개혁방향。최후，본문제출응당이정책성은행모식개혁현유주방공적금관리모식，제출료완선현행제도적약간과도성개혁건의。
Firstly, the paper analyzes the legal attributes of housing accumulation fund and point out that the fund is essentially a part of wage that belongs to the individual contributor but with restricted utilization. Secondly, based on the above conclusion, the authors further investigate the defects on the current management mode of Chinese housing accumulation fund and discuss three possible proposals on its reform. Finally, the authors draw the conclusion that the reform of housing accumulation fund system should be based on the mode of setting up regulated housing policy bank and improve transitional legislation aiming on the perfection of the housing accumulation fund system.