住房公积金制度是解决我国城镇职工住房问题的一项重要社会保障制度。本文列举了我国住房公积金制度的相关规定,指出住房公积金制度现实运行中存在覆盖面窄、缴存率低、公积金管理监督不统一和对低收入阶层保障不足等问题,提出完善我国住房公积金制度的一些构想,促使其规范化运作。 Housing provident fund system is to solve the housing problem of urban workers in our country an important social security system. This article lists the relevant provisions of China’s housing provident fund system, pointing out that there are some problems in the actual operation of the housing provident fund system, such as the narrow coverage, low deposit rate, the inconsistency of fund management and supervision and the lack of protection for low-income groups. Conception, to promote its standardized operation.