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不可否认,十五年来,住房公积金制度在促进住房商品化、改善市民住房条件等方面发挥了关键作用。但不容忽视的一点是,本应作为帮助中低收入人群置业的住房公积金反而成为高收入者炒房的工具。当有市民申请住房公积金贷款遭拒而几千亿的公积金却躺在银行里“睡大觉”;当市场廉租住房资金来源严重不足而巨额公积金却履履被挪用、贪污……行走了十五年的中国住房公积金制度到了该反思的时候了。那么,是什么遮掩了住房公积金的光芒?公积金制度需要怎样的完善和创新? 《房地产导刊》约请的经济学者开出“重建住房公积金组织体制、建立住房信用制度等”四大“药方”;建设部亮出“扩大住房公积金对中低收入家庭覆盖面、适当降低住房公积金贷款利息等”六大“利器”;而面向市场,更公开、更透明、更规范、更民生,或许是广州住房公积金创新的一个方向。
Admittedly, in the past 15 years, the housing accumulation fund system has played a key role in promoting the commercialization of housing and improving housing conditions for the public. However, it should not be overlooked that the housing provident fund, which should be used as a medium-to-low-income housing subsidy, should instead become a tool for high-income real estate speculators. When citizens apply for housing provident fund loans were rejected and hundreds of billions of provident funds are lying in the bank “sleep big ”; when the market low-cost housing funds a serious shortage of funds and large CPF has been embezzled, corruption ...... Walking The 15 years of China’s housing provident fund system to the reflection of the time. So, what is the hiding of the housing provident fund light? CPF system needs of how to improve and innovation? “Real Estate Magazine” invited economists to open “rebuilding housing accumulation fund system, the establishment of housing credit system,” the “big four” “; ” Ministry of Construction “to expand housing provident fund coverage of low-income families, and appropriate reduction of interest on housing provident fund loans ” six "weapon; and market-oriented, more open, more transparent and more standardized, More people’s livelihood, perhaps Guangzhou housing accumulation fund innovation in one direction.