“零”风险要求住房公积金必须安全,“保值”要求住房公积金不能亏损,“增值”要求住房公积金必须有收益。住房公积金保值、增值与“零”风险的关系是一个利益共同体的不同方面的关系,弄清它们之间的关系和表现形式,才能有效地、主动地将住房公积金风险降到最低,更好地确保住房 “Zero” risk requires housing provident fund must be safe, “hedge” requirements of housing provident fund can not be lost, “value-added” requires housing provident fund must have benefits. The relationship between the preservation of housing provident fund, value added and “zero” risk is the relationship between different aspects of a community of interests. To find out the relationship and manifestations between them, we can effectively and proactively minimize the risk of housing provident fund and better Ensure housing