本文選題：大同市 + 住房公積金�。� 參考：《山西財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：大同市于1995年正式設(shè)立了住房公積金制度,直到2016年底,該制度在切實(shí)解決低收入職工家庭的住房問(wèn)題、提高城鎮(zhèn)居民住房水平、發(fā)揮住房保障作用、推動(dòng)大同市房地產(chǎn)業(yè)發(fā)展等方面做出了有力貢獻(xiàn)。但是,由于住房公積金制度建立時(shí)間過(guò)短、經(jīng)濟(jì)不斷發(fā)展、房?jī)r(jià)持續(xù)攀升、政策更新迅速等原因,大同市住房公積金依然存在覆蓋面狹窄、結(jié)余資金多、缺乏投資收益渠道、法律法規(guī)監(jiān)管體系不健全等缺陷。本文以山西省大同市為例,從大同市住房公積金的運(yùn)行狀況展開(kāi)研究,在山西省11個(gè)地級(jí)市公布的住房公積金年報(bào)的基礎(chǔ)上,遴選了高效性、營(yíng)利性、安全性三大類(lèi)14項(xiàng)指標(biāo),構(gòu)建了全面的指標(biāo)體系,為后文的分析與研究奠定了基礎(chǔ)。本文主要選用客觀的量化分析方法——熵值法對(duì)大同市及山西省其他10個(gè)地級(jí)市的住房公積金運(yùn)行績(jī)效做了縱向、橫向兩個(gè)維度的對(duì)比分析。首先,對(duì)2012—2015年大同市住房公積金的住房公積金貸款效率、當(dāng)年增值收益、保值風(fēng)險(xiǎn)指數(shù)等三大類(lèi)14項(xiàng)相關(guān)數(shù)據(jù)進(jìn)行縱向分析,得出大同市住房公積金在高效性方面呈逐年上升趨勢(shì),但在安全、營(yíng)利性方面保持的不好,有所下降。其次,在橫向維度分析方面,本文主要對(duì)包括大同市在內(nèi)的2015年度山西省11個(gè)地級(jí)市的住房公積金運(yùn)行績(jī)效進(jìn)行了評(píng)價(jià)與分析,發(fā)現(xiàn)大同市住房公積金在高效性方面表現(xiàn)最優(yōu),在安全性方面則不盡人意。再次,在與山西省住房公積金運(yùn)行績(jī)效表現(xiàn)亮眼的城市對(duì)比,發(fā)現(xiàn)大同市住房公積金的提取效率、當(dāng)年發(fā)放貸款金額、增值收益增長(zhǎng)率等較低,再加上繳存余額多、個(gè)人住房貸款余額多、個(gè)人住房貸款逾期率等過(guò)高的原因,導(dǎo)致大同市住房公積金運(yùn)行績(jī)效表現(xiàn)不佳。最后,以大同市出現(xiàn)的上述缺陷為突破口,本文提出了進(jìn)一步切實(shí)拓展覆蓋面及投資收益渠道等意見(jiàn),希望有所幫助。
[Abstract]:Datong City formally set up a housing provident fund system in 1995. Until the end of 2016, the system has effectively solved the housing problems of low-income workers, improved the housing level of urban residents, and played a role in housing security. Datong City to promote the development of real estate industry and other aspects made a strong contribution. However, because the housing provident fund system was established for too short a time, the economy continued to develop, house prices continued to rise, and policies were updated rapidly, the housing provident fund of Datong City still had a narrow coverage, more surplus funds, and a lack of investment income channels. Laws and regulations supervision system is not perfect and other defects. Taking Datong City of Shanxi Province as an example, this paper studies the operation status of housing accumulation fund in Datong City. On the basis of the annual report of housing accumulation fund published by 11 prefectural cities in Shanxi Province, 14 indexes of high efficiency, profit making and safety are selected. A comprehensive index system is constructed, which lays a foundation for the following analysis and research. This paper mainly chooses the objective quantitative analysis method-entropy value method to make the vertical and horizontal comparative analysis on the performance of housing accumulation fund operation in Datong city and other 10 prefectural cities in Shanxi Province. First of all, this paper makes a longitudinal analysis of 14 related data of three categories of housing provident fund loan efficiency, value-added income, and hedge risk index of Datong housing provident fund from 2012 to 2015. It is concluded that the efficiency of Datong housing accumulation fund is increasing year by year, but it is not good in safety and profit. Secondly, in the aspect of horizontal dimension analysis, this paper mainly evaluates and analyzes the performance of housing accumulation fund in 11 prefectural cities of Shanxi Province in 2015, and finds that Datong City has the best performance in terms of high efficiency. In terms of safety, it is unsatisfactory. Thirdly, compared with the cities where the performance of Shanxi housing provident fund is bright, we find that the extraction efficiency of Datong housing provident fund, the amount of loans issued in that year, the growth rate of value-added income, and so on, are lower, and the balance of deposit is more. The reasons such as excessive balance of personal housing loan and overdue rate of personal housing loan lead to poor performance of housing accumulation fund in Datong city. Finally, taking the defects mentioned above in Datong as the breakthrough point, this paper puts forward some suggestions to further expand the coverage and investment return channels, hoping to be helpful.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F299.23;F832.479

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