我国住房公积金制度建立以来,一方面为中低收入家庭改善住房条件提供了强有力的融资支持。同时在运行中也存在覆盖面不足、资金使用效率不高、管理机制不健全等问题。本文就我国住房公积金制度发展过程中存在的一些问题进行分析,并提出一些建议使得该制度更能发挥其作用。 Since the establishment of China’s housing provident fund system, on the one hand, it has provided strong financing support for the improvement of housing conditions for low-income families. At the same time, there are also problems of insufficient coverage, inefficient use of funds and unsound management mechanisms. This article analyzes some existing problems in the development of housing provident fund system in our country and puts forward some suggestions to make the system play its role more effectively.