住房公积金制度作为我国住房制度改革的产物,在配合国家宏观调控,支持住房建设和消费,实现中低收入职工住有所居方面发挥了重要作用。新形势下,住房公积金制度如何更好地发挥作用,更好地配合住房制度完善、支持住房市场发展,在回顾住房公积金历史的基础上,立足现实,提出了完善住房公积金制度的建议。 Housing provident fund system, as the product of China’s housing system reform, plays an important role in coordinating with the state macroeconomic regulation and control, supporting housing construction and consumption, and realizing the middle-and-low income earning accommodation. Under the new situation, how can the housing provident fund system play a better role to better complement the housing system and support the development of the housing market? Based on the review of the history of housing provident fund, we put forward suggestions on how to improve the housing provident fund system.