本文選題：住房公積金制度 + 住房金融體系��； 參考：《遼寧師范大學》2014年碩士論文

【摘要】：住房問題一直是困擾社會安定團結、繁榮發(fā)展的最為主要的問題。隨著我國經(jīng)濟的不斷發(fā)展，經(jīng)濟實力不斷增強，，社會上兩極分化的現(xiàn)象也趨于明顯。有的人擁有多套住房，而有的人則連首套屬于自己的住房都沒有。如果任由該種現(xiàn)象發(fā)展而不加以控制，社會就不會穩(wěn)定繁榮，社會不穩(wěn)定，國家何以發(fā)展？國家不發(fā)展，何以強大？所以，為了解決這一系列問題，我國決定建立為解決職工購買住房困難的制度—住房公積金制度產(chǎn)生了。 而本篇論文則對我國現(xiàn)行公積金制度做了簡要的介紹。首先從公積金的含義與其相應的職能、建立公積金的原因及其在社會上所起到的作用、住房公積金的相關機制與監(jiān)管、公積金的發(fā)展歷程等方面對我國公積金制度做了一下簡單的介紹。其次對我國現(xiàn)行的公積金制度的管理與運作方式做了簡單的介紹，具體從繳存、提取與使用、增值收益的相關分配、貸款申請的相關事宜、所面臨的風險及相應的應對方法及監(jiān)管法律建設方面做了闡明。再次，借鑒了國外發(fā)達國家較為成功的住房金融體系的經(jīng)驗，用于我們資金的制度中，更好的解決職工購買住房困難的問題，更好的促進我國相關住房體系的發(fā)展與完善，更好的為社會安定繁榮做貢獻，更好的實現(xiàn)社會公平的目的。最后，指出了我國現(xiàn)行公積金制度所存在的瑕疵及相應的完善對策，具體分析了社會與經(jīng)濟的變革對公積金制度所產(chǎn)生的影響，并指出了公積金早管理、風險控制及增值收益分配等方面所存在的問題，并從宏觀與微觀兩個方面提出了相應的完善對策，而且也提出了一些新的投資渠道的選擇。
[Abstract]:The housing problem has always been the most important problem that puzzles the stability, unity and prosperity of the society. With the continuous development of our economy, the economic strength is increasing, and the polarization of the society is becoming obvious. Some people have multiple housing and some people have not the first set of their own housing. Without the control, the society will not be stable and prosperous, the society is unstable, how the state develops? How strong the state is not developing? So, in order to solve this series of problems, our country decided to establish the system of housing accumulation fund for the workers to buy housing difficulties.
This paper gives a brief introduction to the current provident fund system in China. First of all, from the meaning of the provident fund and its corresponding functions, the reasons for the establishment of the provident fund and its role in the society, the relevant mechanisms and supervision of the housing provident fund, the development of the provident fund and other aspects have been done to our provident fund system briefly. Secondly, a brief introduction is made to the management and operation mode of the current provident fund system in China, specifically from the payment, the extraction and use, the related distribution of value-added income, the related matters of the loan application, the risks faced, the corresponding coping methods and the construction of the supervision law. The experience of the successful housing financial system, in the system of our funds, to better solve the problem of housing difficulties for workers and workers, to better promote the development and improvement of the related housing system in our country, better contribute to social stability and prosperity, and better achieve the purpose of social fairness. Finally, it points out the current provident fund system in China. The existence of defects and corresponding countermeasures, specific analysis of the social and economic changes in the accumulation of provident fund system, and points out the existing problems of the early management of provident fund, risk control and the distribution of value-added income, and put forward some corresponding countermeasures from two aspects of macro and micro, and also put forward some of them. The choice of new investment channels.
【學位授予單位】：遼寧師范大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F299.233.4

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本文編號：2039196