Since the implementation of the housing provident fund system, the municipal government and relevant functional departments have strictly implemented the provisions of the Regulations on the Management of Housing Provident Fund, which are close to people's livelihood, conscientiously perform their duties, have scientific management and distinctive services, and have played an important role in the city's housing security work and made positive contributions to the construction of a livable city in our city.
(1) established and improved the standardized management system and system. The basic orientation of the housing accumulation fund system is the national policy housing financial tool, and as a financial tool, safety is the first. In order to standardize the deposit and operation management of housing provident fund in our city, the municipal government has established an operation system with the housing provident fund management Committee as the core, and the management institutions, entrusted financial institutions and supervision institutions are parallel, unified in decision-making, responsible for each other and supervising each other. In the aspect of system construction, a relatively complete business management system and operation process are formulated based on the "Changzhou Housing Provident Fund Management Measures" and the three implementation rules of collection, withdrawal and loan. In terms of standardization construction, following the first ISO900 1 quality management system in China, the first provincial standard of housing provident fund management service in China was established, making the standardized management of housing provident fund in our city in a leading position in the same industry in China. In terms of risk prevention and control, in addition to adhering to strict supervision mechanism and standardized operating system, we should carefully sort out the risk points in management and business, and strengthen institutional constraints and internal control management for risk points. At the same time, strengthen the construction of information system, implement online examination and approval and online monitoring, realize the combination of civil air defense, technical defense and system defense, and ensure the safety of funds and teams. The quality rate of housing provident fund assets is over 99.9%, ranking first in the province for 8 consecutive years.
(2) The coverage of housing provident fund collection has been continuously expanded. Housing accumulation fund is the legitimate rights and interests of employees. Expanding the coverage of housing provident fund plays a very important role in improving the purchasing power of employees and ensuring the benign operation of housing provident fund. Since the expansion 20 10/0, with the help of comprehensive measures such as administrative promotion, departmental linkage, law enforcement promotion and service touch, more than 2,500 new account-opening units have been established every year, with 654.38+million new employees. It is worth mentioning that Wujin District has set up a leading group for district-town two-level expansion work, established a district-town linkage working mechanism, incorporated the indicators of expansion into the annual assessment of the town party Committee and government, widely publicized innovative services, and took the lead in including the payment of housing provident fund into the model text of all-staff contracts, which achieved good results. Jintan City and liyang city Municipal Government have also increased the publicity and assessment of the expansion work. At present, 959,900 employees have opened accounts in the city, and the accumulated housing accumulation fund is 42.745 billion yuan, with a balance of 65.438+09184 million yuan, effectively expanding the coverage of the housing accumulation fund system.
(3) Give full play to the guarantee role of the housing provident fund system. Housing security is the core function of housing accumulation fund. On the basis of adhering to the basic direction of the use of provident fund, the provident fund management center extends the scope of use, provides housing for paid employees and supplementary pension, serious illness treatment and other capital needs, and gives full play to the institutional advantages of mutual protection of provident fund. In terms of provident fund withdrawal, innovative businesses such as monthly repayment, early repayment, rent payment, unemployment withdrawal and serious illness withdrawal have been launched, and conditions for withdrawal and use have been relaxed to support employees' first suite and improved housing consumption and emergency needs. In terms of provident fund loans, innovative businesses such as discount loans for public enterprises, direct business between commercial enterprises and public enterprises, and local loans deposited in different places were launched, and cooperation with commercial banks was carried out to expand loan methods and channels. At the same time, the housing provident fund loan differentiation policy is implemented, which is inclined to low-and middle-income families, and the provisions such as reducing the down payment ratio, increasing the loan amount, extending the repayment period and giving loan interest subsidies are introduced 12. In supporting the construction of urban housing security capacity, the value-added income of the provident fund of 654.38+0.87 billion yuan has been turned over to the government as supplementary funds for the construction of low-rent housing. The implementation of the housing accumulation fund system not only enhances the housing consumption ability of employees, but also greatly promotes the development of the real estate industry in our city and realizes the goal of "based on housing security and serving economic development".
(four) the development and innovation of service system and service measures. On the service system, the "four in one" service system of online service hall, 12329 service hotline, short message platform and network service has been established and improved. At present, the service outlets have covered seven jurisdictions in the city, and Wujin District has also set up an innovative road sign workstation to facilitate units and employees to handle business nearby. On September 20 1 1 year, the online service hall was opened for operation, providing three major service functions, namely personal business, unit business and public * * * inquiry, for the units and employees who paid the housing provident fund in the city. Up to now, more than half of the company's business has been handled online, reducing the counter business by more than 68%. The hotline 12329 was expanded, and the manual connection rate reached 9 1.7%. Expand the use range of short message platform for housing provident fund, and increase the short message follow-up function of service satisfaction. In terms of service measures, simplify business approval and handling procedures, and implement an acceptance and immediate approval. Through technical means such as information sharing with relevant departments and online payment by banks, service efficiency and convenience measures will be improved. At the same time, special services such as Saturday convenience service, noon delay service and on-site appointment service will be carried out. Strengthen professional ethics supervision and advocate civilized and high-quality services. Last year, the Municipal Provident Fund Center was awarded the honorary title of "Advanced Unit of Quality Service" by the Provincial Housing and Construction Department.
Second, the existing problems and difficulties
Although our city's housing provident fund management has achieved remarkable results, including capital utilization rate, asset quality rate and many other aspects, and it is in a leading position in the whole country and the whole province, compared with the design requirements of the housing provident fund management system and the needs of employees, there are still some shortcomings that need further study and solution, mainly in the following aspects:
(A) the housing provident fund collection rate is not high. According to statistics, the coverage rate of housing provident fund for urban employed population in our city is only 50%, which is less than 70% according to the number of people participating in social security and the number of government agencies and institutions. The construction payment rate of non-public enterprises is lower, which is far from the goal of full coverage. As far as the insured units are concerned, there are also phenomena of not paying in full according to the prescribed base and defaulting on due payment, which damages the legitimate interests of employees. In the current downturn of the real economy, improving the collection rate of provident fund will face more severe challenges.
(B) The publicity of the housing provident fund system is not comprehensive enough. First, the importance, necessity and compulsory publicity of the housing provident fund system is not enough, which leads to the fact that the society's understanding of housing provident fund is far less than that of endowment insurance and medical insurance, which makes the enthusiasm of enterprises to build and pay is not high, and the awareness of employees' rights protection is not strong. Moreover, most people don't understand the calculation of the payment base and the proportion of payment, and it is common that they can't pay in full. Second, there is not enough publicity on the conditions, procedures and materials that need to be provided for housing provident fund withdrawal and loans.
(3) The management of housing provident fund is still insufficient. The housing provident fund management center in our city has a total of 160 employees, including 83 on-the-job employees and the rest are dispatched employees. It is necessary to manage the housing accumulation fund of 23,900 units and 959,900 employees in the city. Less employees and more business. Moreover, with the continuous promotion of capacity expansion, the business volume will continue to expand, and the current situation of managers can no longer meet the needs of business development. Sending a large number of employees will also have a negative impact on standardizing industry behavior and improving service quality.
Three, the relevant suggestions on the management of housing provident fund in our city
Housing accumulation fund is a long-term housing savings for employees, which is closely related to personal interests. At the same time, it plays a very important role in stabilizing and developing the real estate market and even the overall development of regional economy and society. In order to further promote the healthy development of housing provident fund management in our city, combined with this survey, the following suggestions are put forward:
(a) to further strengthen standardized management, to ensure the safety of funds and operational efficiency. Housing accumulation fund is essentially the personal assets of employees. As a trustee, the government and its departments must improve the value-added income on the basis of ensuring safety and better realize their social functions of protection and mutual assistance. As a decision-making body, the provident fund management committee should adhere to democratic, independent and scientific decision-making. Before making decisions on major issues, we should conduct full investigation and demonstration, listen to opinions extensively, make information public, make public the decision-making process, the use of value-added benefits, regulatory reports and other contents, improve transparency, and accept social and public supervision. In particular, the expenditure of supplementary funds for low-rent housing construction and loans for affordable housing construction in the value-added income of provident fund should be strictly controlled and moderately tightened. Financial, auditing and other regulatory departments should further strengthen institutional supervision and daily supervision to ensure the orderly operation of funds. The management, operation and value-added ability of housing provident fund are greatly influenced by macroeconomic environment, national financial policy and the trend of real estate market. As an executing agency, the provident fund management center should strengthen cooperation with banks and other financial institutions, seriously study and formulate countermeasures, and strive to improve the efficiency and income level of housing provident fund under the condition of changing the deposit and loan spread. It is necessary to reasonably increase the proportion of risk reserve, enhance the ability to prevent and control risks such as deferred payment of housing provident fund, default, cashing, fraudulent loans and loans overdue, and at the same time continuously strengthen team building and internal management to prevent violations.
(2) Further mobilize all forces to promote new breakthroughs in increasing the number of people and expanding the scope. Strictly speaking, housing accumulation fund is a wage income of employees and their basic rights and interests. Expanding the coverage of the provident fund system is an effective way to safeguard the rights and interests of workers and social stability and solve the housing needs of workers, especially low-income groups. It is also a major event to serve, improve and protect people's livelihood. Governments at all levels must attach great importance to it. First of all, they should strictly implement the provident fund system for external employees of government departments and play a leading role. To do a good job in the collection and expansion of provident fund, it is necessary to strengthen the linkage between trade unions, industry and commerce, taxation, human society, finance and other departments and the provident fund management center, study and formulate relevant incentive policies and punishment measures to promote the expansion of provident fund, and at the same time strengthen information sharing among departments to improve the accuracy and efficiency of expansion, construction, payment and lending. It is necessary to study and formulate administrative law enforcement measures and plans for provident fund, strengthen law enforcement, enhance law enforcement prestige, standardize law enforcement procedures, improve law enforcement level, comprehensively apply administrative mediation and administrative law enforcement, handle employee complaints and reports in a safe and standardized manner, resolve conflicts between employees and enterprises, and promote enterprise construction and payment. The provident fund management center should further publicize the relevant laws, regulations and policies of the provident fund system, especially strengthen the publicity and education on the importance, necessity and compulsion of the provident fund system in non-public enterprises, enhance the legal awareness of non-public enterprises as legal persons and the awareness of employees' rights protection, and promote the better implementation of the provident fund system. While promoting the expansion of the provident fund management center, it is also necessary to strengthen the account management of the paid units, carefully verify the insured base, and ensure that units and individuals pay in full according to law. In view of the lack of rigidity in the implementation of the Regulations on the Management of Housing Provident Fund and the lack of local supporting laws and regulations in our city, it is suggested that the Municipal People's Congress carry out relevant legislative research after obtaining the local legislative power of our city, and establish and improve the local laws and regulations on the management of housing provident fund in our city as soon as possible according to the legislative plan.
(3) To be closer to the needs of the society and push the management service level to a new level. It is necessary to make full use of radio, television, newspapers, publicity materials and other forms to popularize the knowledge of housing provident fund deposit and use among employees, so that employees can understand and master the proportion of provident fund deposit and the methods and requirements for personal account inquiry, withdrawal and lending, and improve the social influence of the provident fund system. It is necessary to strengthen the training and consulting services for business personnel of participating units, and improve the policy level and business ability of relevant personnel to implement the provident fund system. It is necessary to further strengthen the construction of outlets, networks and other facilities, improve the handling rate of online business, innovate service methods, extend the scope of services, simplify the handling process, and further improve the special services such as noon delay service, Saturday convenience service and appointment door-to-door service, so as to facilitate units and employees to inquire and handle business. According to the market demand and interest rate level, we should better study and formulate policies, enrich business varieties, relax the conditions of individual housing provident fund loans in accordance with the principles of safety, simplicity and efficiency, actively expand the scale of individual housing loans, especially for eligible low-and middle-income housing workers, so that more workers can enjoy preferential policies for housing provident fund loans and maximize the efficiency of the use of housing provident fund funds. In view of the shortage of staff in the provident fund management center, it is suggested that the municipal government study and solve it to meet the needs of career development and business management.
2065438+April 28, 2005