过于刚性的公积金制度已逐渐难以适应目前的社会经济发展需要了,因此,需要通过制度创新来提升公积金的福利功能。在对现实困境进行分析后,本文提出了三个方面的制度创新定位。在此基础上,创新模式可从:借助我国资本市场的功能、建立大家庭户的使用模式、提高创新服务水平等三个方面来展开构建。 Too rigid a provident fund system has been gradually difficult to adapt to the current needs of social and economic development, therefore, need to improve the welfare function of provident fund through institutional innovation. After analyzing the real predicament, this article puts forward three aspects of institutional innovation. On this basis, the mode of innovation can start with three aspects: the function of our country’s capital market, the establishment of a family-use model, and the improvement of the level of innovative services.