本文選題：住房公積金 + 管理制度��； 參考：《武漢紡織大學(xué)》2017年碩士論文

【摘要】：住房公積金是重要的住房保障制度。我國在借鑒新加坡住房保障制度的基礎(chǔ)上,結(jié)合實際國情,創(chuàng)立了住房公積金制度,并于1991年在上海開始實行,此后逐步推向全國。在二十多年里,住房公積金制度在解決城市居民住房問題上發(fā)揮了巨大的作用。近年來,沿海城市和內(nèi)地中心城市的房價持續(xù)上漲,使得這些地區(qū)的居民住房問題凸顯出來。本文聚焦在住房問題具有代表性的城市——深圳市,研究該市的住房公積金制度,期望能夠發(fā)現(xiàn)解決現(xiàn)階段住房問題的方法和途徑。本文從住房需求和供給、住房價格等方面介紹了深圳的住房市場,并從公積金政策體系、管理機構(gòu)、業(yè)務(wù)開展等方面介紹了深圳市的住房公積金制度。結(jié)合深圳的城市特點,發(fā)現(xiàn)現(xiàn)行公積金制度存在這些問題:政策體系不健全,管理機構(gòu)設(shè)計不合理,繳存和貸款制度不科學(xué)。為了完善住房公積金體系,本文建議深圳市在已有的公積金政策體系中加入公積金投資和公積金管理異地合作的有關(guān)政策,設(shè)置平行于公積金管理委員會的公積金監(jiān)察委員會,調(diào)整公積金繳存比例、貸款首付比例和貸款利率。本文的結(jié)構(gòu)分為六個部分:第1章為緒論,說明研究背景、研究意義以及研究方法等;第2章為文獻綜述,介紹公積金的相關(guān)概念和理論以及國內(nèi)外研究現(xiàn)狀;第3章為深圳市住房市場分析;第4章為深圳市住房公積金制度現(xiàn)狀的介紹;第5章為公積金制度存在的問題分析;第6章為改進和完善深圳公積金制度的建議;最后一章為總結(jié)和展望。
[Abstract]:Housing accumulation fund is an important housing security system. On the basis of drawing lessons from the housing security system in Singapore and combining with the actual national conditions, China established the housing accumulation fund system, which began to be implemented in Shanghai in 1991 and has been gradually pushed to the whole country since then. In more than 20 years, the housing accumulation fund system has played a huge role in solving the housing problem of urban residents. In recent years, housing prices in coastal cities and inland centers have continued to rise, highlighting housing problems in these areas. This paper focuses on Shenzhen, the representative city of housing problem, and studies the housing accumulation fund system in the city, hoping to find out the ways and means to solve the housing problem at the present stage. This paper introduces the housing market in Shenzhen from the aspects of housing demand and supply, housing price and so on, and introduces the housing accumulation fund system of Shenzhen from the aspects of accumulation fund policy system, management organization, business development and so on. Combined with the urban characteristics of Shenzhen, it is found that these problems exist in the current provident fund system: the policy system is not perfect, the design of the management organization is unreasonable, and the system of deposit and loan is not scientific. In order to perfect the housing provident fund system, this paper suggests that Shenzhen should add the relevant policies of provident fund investment and fund management cooperation to the existing provident fund policy system, and set up a provident fund supervisory committee parallel to the provident fund management committee. Adjust provident fund deposit ratio, loan down payment ratio and loan interest rate. The structure of this paper is divided into six parts: the first chapter is an introduction to explain the research background, research significance and research methods, the second chapter is a literature review, introducing the relevant concepts and theories of provident fund, as well as the current research situation at home and abroad. Chapter 3 is the analysis of housing market in Shenzhen, chapter 4 is the introduction of the present situation of housing accumulation fund system in Shenzhen, chapter 5 is the analysis of the problems existing in the system of accumulation fund, chapter 6 is the suggestion of improving and perfecting Shenzhen's provident fund system The last chapter is the summary and prospect.
【學(xué)位授予單位】：武漢紡織大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F299.23;F832.479

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