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我国住房公积金制度自1991年建立以来,为提高居民住房消费能力、帮助居民改善居住水平发挥了重要作用。经过近20年的发展,我国住房公积金归集额有了大幅度增长。住房和城乡建设部的统计数据显示,截至2011年年底,全国住房公积金缴存余额达到2.1万亿元。随着时间的推移。现有住房公积金制度逐渐暴露出一些亟须解决的问题并引起社会的关注。住房公积金资金孤岛问题是其中较为突出的问题之一。深入推进住房公积金制度改革,完善科学的住房公积金运行机制,提高住房公积金的运作效率,探索解决住房公积金资金孤岛问题具有重大意义。本文从资金流动和风险控制的角度出发,
Since China’s housing accumulation fund system was established in 1991, it has played an important role in improving residents’ housing spending power and helping residents to improve their living standards. After nearly 20 years of development, China’s housing accumulation fund has increased substantially. Statistics from the Ministry of Housing and Urban-Rural Development show that as of the end of 2011, the national balance of housing provident fund balance reached 2.1 trillion yuan. Over time. The existing housing provident fund system gradually exposes some problems that need urgent solution and draws the public’s attention. Housing fund funds island is one of the more prominent issues. In-depth promotion of housing provident fund system reform, improve the scientific system of housing provident fund operation, improve the efficiency of housing provident fund, to explore the solution to the problem of housing provident fund funds is of great significance. This article from the capital flow and risk control point of view,