作为我国住房保障体系的重要组成部分,住房公积金的特点是直接以金融手段支持广大城镇职工购买住房,推出住房公积金的初衷也是弥补我国缺乏对低收入家庭解决住房问题有效途径的不足。但是,随着公积金制度的发展,在实践当中也遇到了一些难以解决的问题。 As an important component of China’s housing security system, housing provident fund is characterized by financial means directly to support the purchase of housing for the majority of urban workers, the introduction of housing provident fund is also the original intention of making up for our lack of effective solutions to low-income families to solve housing problems. However, with the development of provident fund system, some difficult problems have also been encountered in practice.