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1、洛阳理工学院毕业设计（论文）住房公积金存在问题及解决方案摘要住房公积金制度实际上是一种住房保障制度，是住房分配货币化的一种形式。单位为职工缴存的住房公积金是职工工资的组成部分，单位为职工缴存住房公积金是单位的义务，享受住房公积金政策是职工的合法权利。我国的住房公积金制度发展到今天,制度建设不断完善。为我国的住房分配方式由实物分配向货币分配转变,为住房消费提供融资渠道等方面作出了很大的贡献。随着归集规模的扩大，由于制度设置和其他方面的原因,我国住房公积金制度在公积金缴存、贷款和监督等方面还存在一些不
2、足，住房公积金业务本身潜在的问题日益彰显。本文对住房公积金的制度进行了深入分析，并提出了相应的对策。希望住房公积金作为一种社会保障制度能够真正的发挥它的作用，解决中低收入者的住房问题。关键词：住房公积金，住房制度，保障，监督ofwork,relationships,needandpossibility,putqualityfirst."Improvestructure",referspartycarefully".IsamustadheretotheindividualabsorptionThep
3、rincipleofthedevelopmentofamatureone,andstrictlyperformintheadmissionprocedure,topreventthePartymember3洛阳理工学院毕业设计（论文）TheExistingProblemsandSolutionsofHousingAccumulationFundABSTRACTSystemofhousingaccumulationfundisactuallyakindofhousingguaranteesystem
4、,isthehousingassignmentcurrencyonekindofform.Theunitputsforworkerhousingaccumulationfundisthecomponentofworkerpay,thehousingaccumulationfundthattheunitputsforworkeriscompulsory,enjoyunithousingaccumulationfundpolicyisthelegalrightoftheworker.China'ssy
5、stemofhousingaccumulationfundtotoday,thesystemconstructionofcontinuousimprovement.ForChina'shousingdistributionofphysicaldistributiontomonetaryallocationforhousingconsumption,providefinancingchannels,etcmakegreatcontribution.Withthescaleenlargementofc
6、ollection,duetothesystemSettingsandotherreasons,China'ssystemofhousingaccumulationfundcaptureputsaccumulationfundloaninsupervisionandetc,therestillexistsomedeficiencies,housingaccumulationfundbusinesspotentialproblembecomesmoreandmoreobvious.Basedonth
7、ehousingaccumulationfundsystemareanalysed,andthecorrespondingcountermeasureswereputforward.Asakindofhousingaccumulationfundtosocialsecuritysystemcanreallyplayitsrole,solvetheproblemsoflow-incomehousing.KEYWORDS:housingaccumulationfund，housingsystem，en
8、sure，superviseofwork,relationships,needandpossibility,putqualityfirst."Improvestructure",referspartycarefully".IsamustadheretotheindividualabsorptionTheprincipleofthedevelopmentofamatureone,andstrictlyperformintheadmissionprocedure,topreventth
