【摘要】：1991年，我國為了適應(yīng)住房制度的改革需要，解決廣大城鎮(zhèn)職工的住房問題，上海借鑒了新加坡中央公積金制度的經(jīng)驗(yàn)，率先在全國建立了住房公積金制度，然后再逐步向全國推廣住房公積金制度。一晃住房公積金制度在我國實(shí)行了已經(jīng)有20多年了，住房公積金制度在這20多年期間，也猶如雨后春筍不斷發(fā)展。住房公積金制度為住房的商品化奠定了堅(jiān)實(shí)基礎(chǔ)，為不斷提高城鎮(zhèn)職工的住房消費(fèi)能力，促進(jìn)房地產(chǎn)市場的發(fā)展起到了重要的作用，成為推動住房保障制度建設(shè)的重要力量。隨著我們國家房地產(chǎn)市場的不斷發(fā)展和持續(xù)繁榮，國民對住房的要求越來越高，貸款數(shù)量也越來越大，而住房公積金貸款作為政策性貸款更是倍受關(guān)注。但是，由于近年來住房公積金貸款規(guī)模不斷擴(kuò)大和房地產(chǎn)市場不穩(wěn)定，住房公積金貸款的風(fēng)險(xiǎn)也是在不斷上升，這將影響到住房公積金資金安全，更會危及到我國住房制度改革的成果。因此，如何做好住房公積金貸款的風(fēng)險(xiǎn)防范工作、確保住房公積金資金的安全運(yùn)行就成了一個(gè)需要解決的問題。 本文以南通市為例，主要從住房公積金管理中心、借款人以及第三方等幾個(gè)層面，具體分析了南通市住房公積金的貸款風(fēng)險(xiǎn)問題。在此基礎(chǔ)上，提出了加強(qiáng)貸款風(fēng)險(xiǎn)監(jiān)控、建立貸款風(fēng)險(xiǎn)預(yù)警機(jī)制的對策建議，，以保證南通市住房公積金的安全運(yùn)行。
[Abstract]:In 1991, in order to meet the needs of the reform of the housing system and to solve the housing problem of the vast number of urban workers, Shanghai took the lead in establishing a housing provident fund system throughout the country, drawing on the experience of Singapore's central provident fund system. Then gradually popularize the housing accumulation fund system to the whole country. The housing provident fund system has been implemented in our country for more than 20 years, and the housing accumulation fund system has been developing continuously in the past 20 years. The housing accumulation fund system has laid a solid foundation for the commercialization of housing, has played an important role in improving the housing consumption ability of urban workers and promoting the development of the real estate market, and has become an important force to promote the construction of housing security system. With the continuous development and prosperity of our country's real estate market, the demand for housing is getting higher and higher, and the amount of loans is more and more large, and the housing accumulation fund loan as a policy loan is more and more concerned. However, as the scale of housing provident fund loans continues to expand in recent years and the real estate market is unstable, the risks of housing provident fund loans are also on the rise, which will affect the security of housing provident fund funds. More will endanger our country housing system reform achievement. Therefore, how to do the housing accumulation fund loan risk prevention work, to ensure the safe operation of housing provident fund funds has become a problem to be solved. Taking Nantong City as an example, this paper analyzes the loan risk of housing accumulation fund in Nantong City from the aspects of housing accumulation fund management center, borrower and third party. On this basis, the paper puts forward the countermeasures and suggestions of strengthening loan risk monitoring and establishing loan risk warning mechanism in order to ensure the safe operation of Nantong housing accumulation fund.
【學(xué)位授予單位】：蘇州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F299.233.4;F832.479

【參考文獻(xiàn)】

相關(guān)期刊論文 前7條

1 李娟;李秀文;;淺談住房公積金貸款的風(fēng)險(xiǎn)與防范[J];才智;2008年09期

2 尹宗明;決策、運(yùn)作、監(jiān)督三位一體 實(shí)現(xiàn)住房公積金高效運(yùn)作[J];中國房地產(chǎn);2005年08期

3 張小平;;淺議住房公積金貸款的風(fēng)險(xiǎn)防范[J];經(jīng)濟(jì)師;2006年03期

4 李楚星,劉飛鵬;公積金個(gè)人住房貸款風(fēng)險(xiǎn)防范機(jī)制與管理[J];中國房地產(chǎn)金融;2001年12期

5 蘇英;開放條件下住房公積金利率政策研究[J];中國房地產(chǎn)金融;2002年04期

6 黃美華;;對住房公積金貸款風(fēng)險(xiǎn)準(zhǔn)備金提取的思考[J];住宅產(chǎn)業(yè);2005年11期

7 崔虹;;淺談住房公積金貸款風(fēng)險(xiǎn)成因及防范措施[J];知識經(jīng)濟(jì);2009年04期

本文編號：2165552