CAJ | 학술논문

发轫于新加坡的住房公积金制度是住房福利分配在新兴国家的一种创新。如何有效借鉴其经验并进行本土化改进是一大难题。立足于我国现代化住房长期短缺的基本事实,系统梳理了新加坡建立公积金制度的历史轨迹及最新进展,数量化和案例式地解读了其优势及问题,而后延伸至亚洲主要经济体乃至同阶段西方工业化各国,探讨其如何通过住房金融或者住房福利政策解决民众居住困难。我国现行公积金制度需要改进信息不对称和福利改善效应不显著的问题,管理的透明和规范程度亦需加强。这一政策的未来走向会与经济社会转型、社会福利制度建设和财税体制改革高度关联。
발인우신가파적주방공적금제도시주방복리분배재신흥국가적일충창신。여하유효차감기경험병진행본토화개진시일대난제。립족우아국현대화주방장기단결적기본사실,계통소리료신가파건립공적금제도적역사궤적급최신진전,수양화화안례식지해독료기우세급문제,이후연신지아주주요경제체내지동계단서방공업화각국,탐토기여하통과주방금융혹자주방복리정책해결민음거주곤난。아국현행공적금제도수요개진신식불대칭화복리개선효응불현저적문제,관리적투명화규범정도역수가강。저일정책적미래주향회여경제사회전형、사회복리제도건설화재세체제개혁고도관련。
Housing provident fund system created by Singapore is a system of innovative housing welfare distribution in emerging countries. But, how to effectively learn from this policy and to improve the localization is not an easy project. Based on the facts that are shortages of modernized housing for a long period in China, the research systematically reviews the history and the latest development of Singapore＇s housing provident fund system by quantities method and case study. Furthermore, this paper extends the research on how to solve the housing problem through housing finance or housing welfare policies in similarity Asian economies, as well as the same stages of western industrialized countries. This paper found that China＇s current housing provident fund system needs to improve information asymmetry and solve the welfare improvement ineffective problem. And the degree of transparency and standardized management also needs to be strengthened. The future reform of this policy will be highly correlated to the transformation of economy and society, and the reform of social welfare and fiscal institution.