The ownership of housing is the good wishes of the majority of residents. Housing provident fund system, as the main body of policy housing finance in China, should make its own contribution to achieving this goal. However, the emergence of institutional misalignment has become a major obstacle to its development. Based on the review of institutional evolution paths and the analysis of characteristics, the paper explores the causes of institutional dislocation and future adjustments. The policy documents promulgated by various government departments may reflect the focus and characteristics of various stages of the system. It is found that the fundamental reason for institutional misalignment lies in the fact that the policies promulgated in various stages are difficult to meet the demands of inherent guarantees. And the system has a high degree of correlation with China爷 s housing market and is easily used as a tool for the government to control the property market. Therefore, the next step should reform the protection policy function and use it as a guideline to make relevant policy suggestions.
王先柱 年崇文.住房公积金制度的演进、特征与改革取向——基于政策文本的量化分析[J].河海大学学报(哲学社会科学版),2018,20(6):33-41.(WANG Xianzhu, et al. Evolution, Characteristics and Reform of Housing Provident Fund System: A Quantitative Analysis Based on Policy Texts[J]. Journal of Hohai University (Philosophy and Socail Sciences),2018,20(6):33-41.(in Chinese))复制