住房公积金制度已成为经济生活中的重要福利保障制度。纵观其发展过程,应该说,近年来住房公积金制度已得到很大发展和完善。但还必须客观认识到,由于主观和客观等诸多条件限制,我国的住房公积金制度仍存在许多缺陷。为了让这项制度能更好地发挥作用,本文着重讨论我国住房公积金制度存在的缺陷及改进建议。 Housing provident fund system has become an important welfare system in economic life. Throughout its development process, it should be said that in recent years, the housing provident fund system has been greatly developed and improved. However, we must also objectively recognize that due to many subjective and objective conditions, there are still many shortcomings in China’s housing provident fund system. In order to make this system to play a better role, this article focuses on the shortcomings of our housing provident fund system and suggestions for improvement.