住房公积金制度是我国政策性住房金融的核心。实行住房公积金制度有利于转变住房的分配体制,有利于住房资金的积累、周转和政策性抵押贷款制度的建立,有利于提高职工购建住房的能力,促进住房建设,提高城镇居民的居住水平。而对其风险的防范也是关系到民生的重大问题。 Housing provident fund system is the core of China’s policy-oriented housing finance. Implementation of housing provident fund system is conducive to changing the distribution system of housing is conducive to the accumulation of housing funds, working capital and policy-based mortgage lending system is conducive to improving the ability of workers purchasing and housing construction, housing construction and improve the living standards of urban residents. The prevention of its risk is also a major issue concerning people’s livelihood.