CAJ | 학술논문

住房公积金制度产生之初就备受争议,专家、学者以及百姓对之批评之声不断.具体而言,住房公积金制度的问题主要集中在制度设计的不规范和立法条文的不合理上.住房公积金制度的基本功能是满足居民的基本住房保障需求,它既不是投资者用于获益的工具,也不是政府调控房价的杠杆,更不是部分人谋取不正当利益的手段.本文的主要目的在于对住房公积金制度做出了剖析,使大众对住房公积金制度能够有正确的认知,对其弊端能有理性解析,从而对住房公积金制改革提出合理建议.
주방공적금제도산생지초취비수쟁의,전가、학자이급백성대지비평지성불단.구체이언,주방공적금제도적문제주요집중재제도설계적불규범화입법조문적불합리상.주방공적금제도적기본공능시만족거민적기본주방보장수구,타기불시투자자용우획익적공구,야불시정부조공방개적강간,경불시부분인모취불정당이익적수단.본문적주요목적재우대주방공적금제도주출료부석,사대음대주방공적금제도능구유정학적인지,대기폐단능유이성해석,종이대주방공적금제개혁제출합리건의.
Housing accumulation fund system has been disputed at very experts, scholars and ordinary people constantly. In detail, the problems of it design and unreasonable legislative provisions. The basic function of housing beginning. It has been condemned by mainly center on the irregular system accumulation fund system is to satisfy residentsbasic housing security demand. It is not a tool for investors to gain profit,nor is a leverage for government to regulate and control housing price, nor a means for somebody to gain profiteering profits. The main purpose of this paper is to analyze housing accumulation fund system so as to enable public to have correct cognitive to housing accumulation fund system, to understand its disadvantages and put forward reasonable suggestions to the reform of it.