一、公积金制度的重要作用(一)开辟住宅建设融资新渠道,加快了住房建设。90年代末,公积金使用重点转向支持职工个人住房消费,职工购房可以提取和贷款公积金,拓宽了购房资金渠道。截至2010年底,重庆市按照国家规定发放国家安居工程项目贷款11.41亿元,发放个人住房贷款174.27亿元,加快了住房建设。(二)调整个人住房消费结构,提高了住房消费能力。以重庆为例,截至2010年底,全市累计缴存公积金436.21亿元,使用409.51亿元,有效改善了城镇居民的住房条件,促进了职工个人住房消费的增长,加快了住房商品化和社会化的进程。 First, the important role of the provident fund system (A) to open up new channels for financing residential construction, accelerated housing construction. The late 90s, the use of provident fund to focus on supporting the individual housing expenditures for staff and workers, housing buyers can extract and loan provident fund, broaden the channels of purchase funds. By the end of 2010, Chongqing had issued 1.141 billion yuan of loans for state housing projects in accordance with state regulations, and issued 17.427 billion yuan of personal housing loans, accelerating housing construction. (B) adjust the structure of individual housing consumption, improve the housing spending power. Taking Chongqing as an example, as of the end of 2010, the accumulative deposit fund in the city was 43.621 billion yuan, using 40.951 billion yuan, effectively improving housing conditions for urban residents, promoting the growth of personal housing consumption among workers and accelerating the commercialization and socialization of housing process.