住房公积金制度作为城镇住房制度改革的一项重要内容,伴随着我国社会主义市场经济体制的建立,已在全国普遍建立。住房公积金作为职工的一项长期住房储金,对深化城镇住房制度改革,加快住房建设,增强职工的购房支付能力,活跃房地产市场,带动相关产业发展,促进经济社会全面进步发挥着重要作用。因而受到社会肯定和职工欢迎。然而,与全国总体水平相比,经济欠发达地区建立住房公积金制度还存着普及率低、覆盖面小、连续缴存能力差、缴存水平低等一系列问题,值得引起 Housing provident fund system as an important part of the reform of urban housing system, along with China’s socialist market economic system has been established throughout the country. As a long-term housing savings fund for staff and workers, housing provident fund plays an important role in deepening the reform of urban housing system, accelerating housing construction, enhancing the purchasing power of housing purchasers, activating the real estate market, driving the development of related industries and promoting all-round economic and social progress. Thus affirmed by the community and workers welcome. However, compared with the national overall level, the establishment of housing provident fund system in economically underdeveloped regions still poses a series of problems such as low penetration rate, small coverage, poor continuous deposit ability and low deposit levels,