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伴随着城镇化建设不断前进的步伐,城镇中低收入家庭的住房条件得以改善,城镇居民的住房水平有所提高,城镇住房制度的改革进程有所加快,这些都离不开住房公积金制度所发挥的重要作用。自住房公积金制度在我国实施以来,住房公积金的业务与规模在不断地扩大,归集、贷款额以及银行的沉淀资金等都在节节攀高,住房公积金管理中心须应对极大的运营风险问题,这就要求进一步加强内部控制管理。文章对公积金内部控制存在的不足进行了分析,并提出了相应的可行方案,以确保住房公积金的资产安全及使用效率的提高。
With the continuous progress of urbanization, the housing conditions of low and middle-income families in urban areas have been improved. The housing standards of urban residents have been raised. The reform of urban housing system has accelerated. All these are inseparable from the housing accumulation fund system The important role. Since the implementation of housing provident fund system in our country, the business and scale of housing provident fund have been constantly expanding. The collection and lending amount as well as the depositing funds of banks have steadily risen steadily. The housing provident fund management center has to deal with the great operational risks. This requires further strengthening the management of internal control. The article analyzes the deficiencies of the internal control of the provident fund and puts forward the corresponding feasible solutions to ensure the safety of the assets of the housing provident fund and the efficiency of its use.