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1991年我国的住房公积金制度在上海初步试点,直到1994年逐渐扩展到全国范围内,经过这么多年的发展,已经成为我国住房金融体系的重要组成部分,并取得了一定的成效。但是随着经济的快速发展,当前的公积金制度不能满足当前的发展需求,还存在很多不完善的地方,因此要对我国现行的住房公积金制度进行不断改革和完善。本文主要从我国现行住房公积金制度的发展现状、现行住房公积金制度存在的问题、当前我国住房公积金制度改革的建议以及我国住房公积金制度的未来走向这四个方面进行详细阐述。
In 1991, China’s housing accumulation fund system was initially piloted in Shanghai until it gradually expanded to a nationwide scale in 1994. After so many years of development, China’s housing accumulation fund system has become an important part of China’s housing finance system and has achieved some success. However, with the rapid economic development, the current provident fund system can not meet the current development needs, there are still many imperfections, so we should continue to reform and perfect the current housing provident fund system in our country. This article mainly elaborates the current development of housing provident fund system in our country, the current problems of housing provident fund system, the current reform of housing provident fund system in our country and the future trend of housing provident fund system in our country.