本文選題：住房公積金制度 + 有效性　； 參考：《河南大學(xué)》2014年碩士論文

【摘要】：在計(jì)劃經(jīng)濟(jì)的時代背景下，我國住房建設(shè)和分配是在國家指令性計(jì)劃下進(jìn)行的，沒有住房的單位正式職工，統(tǒng)一由企業(yè)進(jìn)行住房分配，這種大包干的福利政策為改革開放新時期的職工圓滿地解決了住房問題。隨著我國改革的深入和市場經(jīng)濟(jì)的快速發(fā)展，國家的住房制度逐步邁向了市場化。解決住房問題對于每個人來說都是一生的頭等大事，我國政府一直不斷出臺政策以穩(wěn)定房價讓老百姓買得起房。住房公積金制度以政府政策性的住房金融制度身份出臺，是實(shí)現(xiàn)職工住房社會化、商品化的一個重要方式。住房公積金作為“住房儲金”，，目的是要解決廣大城鎮(zhèn)職工的住房問題，通過住房資金的積累和住房公積金貸款，提高個人購房的消費(fèi)支付能力。 針對住房公積金制度運(yùn)行的有效性評價這類課題，學(xué)術(shù)界和實(shí)務(wù)界一直都在研究，因此有大量的研究成果可供參考。本文在綜合分析和總結(jié)學(xué)者研究成果的基礎(chǔ)上，基于社會保障視角，運(yùn)用定性與定量結(jié)合的研究方法，建立了評估鄭州市住房公積金制度運(yùn)行有效性的四維框架體系，分別從公平性、運(yùn)行效率、可持續(xù)性和供需關(guān)系四個方面對公積金制度運(yùn)行進(jìn)行有效性的評估，揭示出鄭州市住房公積金制度運(yùn)行過程中存在的一些問題：機(jī)制、規(guī)則和結(jié)果公平性的缺失；提取率、貸款率、使用率和運(yùn)用率的不穩(wěn)定；公積金安全性、流動性和營利性指數(shù)偏低；公積金供需關(guān)系起伏不均。本文透過這些問題和現(xiàn)象，進(jìn)行了一定程度的分析，并且解釋其背后產(chǎn)生的原因，最后從明確制度定位，加強(qiáng)立法，轉(zhuǎn)變管理模式和提升運(yùn)行有效性的具體措施等四個方面提出鄭州市住房公積金制度有效運(yùn)行的建議。
[Abstract]:In the planned economy era, China's housing construction and allocation is carried out in the country under the mandatory plan, no housing units formal workers, unified by the enterprise workers housing allocation, this round Dabaogan welfare policy for the new period of reform and opening up the way to solve the housing problem. With the rapid development of China's reform thorough and the market economy, the state of the housing system gradually towards the market. To solve the housing problem is a top priority in life for each person, the Chinese government has continuously introduced policies to stabilize prices for the people affordable housing. The housing provident fund system in the housing finance system identity government policy introduced, is to achieve employee housing socialization, an important way of commercialization. "As the housing provident fund housing fund", the purpose is to solve the problem of housing for urban workers, through housing The accumulation of funds and housing provident fund loans to improve the capacity of individual buyers to buy and pay.
For the effective operation of the housing provident fund system in the evaluation of this kind of topic, the academic and practical circles have been studied, so there are a large number of research results for reference. Based on the comprehensive analysis and summary of research results of scholars on social security based on the perspective of research methods, combining qualitative and quantitative, establishes an evaluation dimension the framework of Zhengzhou city housing provident fund system operation effectiveness, from fairness, efficiency, sustainability and the relationship between four aspects of supply and demand to evaluate the effectiveness of the provident fund system, reveals some problems existing in operation process of housing provident fund system in Zhengzhou City: mechanism, lack of rules and result fairness; extraction rate, loan rate, utilization rate and utilization rate of instability; fund safety, liquidity and profitability index is low; the relationship between supply and demand fluctuations are not provident fund. This paper through these problems and phenomena, a certain degree of analysis, and explain the reason behind, finally from the clear positioning system, strengthen legislation, put forward Zhengzhou city housing provident fund system for the effective operation of the proposed four aspects of the transformation of the management mode and enhance the operation effectiveness of specific measures.

【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F299.23

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