我國住房公積金制度公平性問題研究.pdf

1、廈門大學碩士學位論文我國住房公積金制度公平性問題研究姓名：吳式達申請學位級別：碩士專業(yè)：財政學指導教師：雷根強20070401AbstractHousinghasbecomethefocusofvariousmediabecauseofitsextremeimportanceinthenationaleconomyandthepeople’SlivelihoodAsessentialpartofChinesehousingsystem，

2、thesystemofhousingprovidentfundarousesconcemsofallwalksoflifeInthepastdecade，thoughhousingprovidentfundsystemcontributealot，itstillremainsomeproblemssuchasinadequatejusticeofthecurrentsystemByretrospectingtheestablishmen

3、tanddevelopmentofhousingprovidentfundsystem，analyzingitsnatureandcharacteristics，thisarticlerevealthatChinesehousingprovidentfundsystemshouldmainlybenefitthelowandmediumincomereceivermaximizethesocialwelfareandattainthej

4、usticeTheauthorfirsthighlightsthethree—partresearchofcurrentmanagementmodesystem，paymentanddepositsystem，expendituresystemofhousingprovidentfund，andthenpointsouttheinjusticeresultfromtheoperationofcurrentsystemandtheurge

5、ncyofreformLastinlightofdeficiencyofthesystem，theauthorputforwardthefollowingpolicyadvices：Reformhousingfundmanagementcenterandchangeitintoanindependentlegalcompanywiththecharacteristicsofmanagementandoperationofmodemfun

6、d，changetherelationbetweenthedepositorandmanagementcenterfromadministrativeagentrelationintomodemtrustmanagementrelation；Aimtomaximizethesocialwelfare，baseonquantityorientedindicatorsystem，designarationalmethodtodetermin

7、ethedepositratioofhousingprovidentfund；Adoptthenewbankingpaymentsystemtocollecthousingprovidentfundtowidenthecoverofhousingprovidentfundsystem；Properlyloosentherestrainontheuseofhousingprovidentfund，andsetuptheloansystem