住房公积金是指国家机关、国有企业、城镇集体企业、外商投资企业、城镇私营企业及其他城镇企业、事业单位、民办非企业单位、社会团体及其在职职工缴存的长期住房储金。住房公积金贷款的风险由住房公积金管理中心承担,因此有效防范贷款风险,确保职工的切身利益和住房公积金安全营运有着十分重要的意义。现就如何规避住房公积金贷款过程中风险形成和如何制定应对措施谈一些看法,望各位指正。 Housing provident fund refers to the long-term housing deposit paid by State organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their working staff. The housing provident fund loan risk by the housing provident fund management center, so effectively prevent the risk of loans to ensure the immediate interests of workers and the safe operation of housing provident fund is of great significance. Now on how to avoid the risk of housing provident fund loans in the formation and how to develop measures to talk about some views, hope you correct me.