经济学上的科斯定律提出,市场发生的问题只能由市场制度本身去解决,任何其他外部因素,如政策法规都不能起到决定性作用。这一理论也适用于我国目前的社会保障制度改革。我国从新加坡市公积金制度建立了住房公积金制度,在过去二十年的运行中,在我国的住房市场和住房保障制度改革中发挥着重要作用。但是也暴露了一些问题,特别是随着近期全国一些城市房价的上涨,老百姓买房成了一个不容忽视的社会问题。然而以解决住房保障为目的的住房公积金制度,却没有起到预期中作用。 Coase’s law on economics suggests that problems in the market can only be solved by the market system itself and that no other external factors, such as policies and laws, can play a decisive role. This theory also applies to the current reform of social security system in our country. China has established the system of housing provident fund from the system of provident fund in Singapore. During the past two decades of operation, it has played an important role in the reform of the housing market and housing security system in our country. However, some problems have also been uncovered. In particular, with the recent housing prices in some cities across the country, ordinary people have become a social issue that can not be ignored. However, the housing provident fund system for the purpose of solving the housing security has not played the expected role.