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住房公积金制度是我国住房体制改革的产物,从地方性制度创新上升到全国性政策,住房公积金制度的历史生成充分体现了保障居民住宅权的世界性理念。随着社会化、城市化进程的迅速推进,现行住房公积金制度在使用率低、实际受益群体多为高收入者、风险防范与运营监管等方面存在的弊病日益暴露,制度的住宅权保障功能逐步弱化以至于丧失。重构制度体系,恢复制度的住宅权保障功能是公积金制度的最终归属。
Housing provident fund system is the product of China’s housing system reform, from the local institutional innovation rose to a national policy, the history of housing provident fund system fully reflects the protection of the residential rights of the world concept. With the rapid progress of socialization and urbanization, the current system of housing provident fund has been increasingly exposed in the aspects of low utilization rate, actual benefit groups mostly being high-income earners, risk prevention and operation supervision, Weakened and even lost. Restructuring the institutional system, the restoration of the system of housing rights protection function is the ultimate ownership of provident fund system.