通过列举住房公积金政策中存在的“马太效应”现象,分析了“马太效应”的成因,提出住房公积金“马太效应”的根源是住房公积金的定位问题。并提出解决的手段目前只能集中在政策层面上的调整,即需要进行完善的是住房公积金管理的相关政策规定。最后提出了在制订住房公积金政策时如何避免出现“马太效应”的对策。 By listing the phenomenon of “Matthew Effect” existing in the housing provident fund policy, this paper analyzes the causes of the “Matthew Effect” and puts forward that the root of housing provident fund “Matthew Effect ” is the positioning of housing provident fund. And put forward the solution to the current can only focus on the policy level adjustment, that need to be perfected is the housing provident fund management policies and regulations. In the end, it puts forward some countermeasures of how to avoid “Matthew effect” in the formulation of housing provident fund policy.