中国的住房公积金制度产生于上世纪九十年代初期。当时社会主义市场经济地位刚刚确立,计划经济观念在人们的思想中仍然占据主导地位,当时设计的住房公积金制度难免脱离不了时代的烙印,在今天看来与社会主义市场经济还有些不相适应之处。进入21世纪后,这一问题更加明显和突出。 China’s housing accumulation fund system was born in the early nineties of last century. At that time, the status of the socialist market economy was just established. The concept of planned economy still dominates the minds of the people. At that time, the system of housing provident funds designed was inevitably inseparable from the imprint of the times. At the moment, it appears to be incompatible with the socialist market economy Department. After entering the 21st century, this issue is more obvious and prominent.