The provident fund has changed from "giving charcoal in the snow" to "icing on the cake"
The original intention of the housing accumulation fund system is to continuously meet people's housing needs and improve the situation of shortage of housing construction funds and serious supply in China. After years of development, the provident fund system has been fully implemented and its scale has been expanding, which has played a great role in promoting housing marketization and housing security.
The Annual Report of National Housing Provident Fund 20 19 jointly issued by Ministry of Housing and Urban-Rural Development, Ministry of Finance and People's Bank of China shows that in 20 19, 2,860,400 individual housing provident fund loans were issued, and 56,485,600 people were drawn, accounting for about 40% of the paid-in employees.
Due to the existence of the housing accumulation fund system, people can get loans of several hundred thousand yuan or more lower than the interest rate of commercial banks, which lowers the threshold for buying houses. According to the system design, when an individual pays the provident fund every month, the employer will also pay the provident fund to the individual account according to a certain proportion. Daily repayment of loans, provident fund can also be directly offset, reducing repayment pressure and helping to improve the quality of life.
However, with the rapid rise of housing prices in recent years, the provident fund, which originally played the role of "giving charcoal in the snow", is more and more like "icing on the cake".
On the one hand, in real life, there are still enterprises that fail to pay housing provident fund to employees, which limits the wide coverage of this welfare system. The phenomenon of not paying the provident fund is particularly prominent in emerging industries such as * * * enjoying the economy and low-income groups. On the other hand, compared with the total housing price of several million yuan in first-and second-tier cities, the provident fund of several hundred yuan per month in many units is a drop in the bucket.
Yang Suping, a real estate sand table shot by a commercial housing sales office in Nanjing.
What is even more criticized is that in some places, the procedures for withdrawing provident fund are very complicated. Not to mention a thick stack of copies, the provident fund management center ran again and again. "It is obviously my own money, but when I withdraw it, I have to look at other people's faces." Many people "spit" the provident fund in their accounts all the year round, not to mention the interest. The preconditions for extraction are very harsh. In order to withdraw funds quickly, some properties openly "refuse" provident fund loans, which makes some people eager to buy a house have to reluctantly give up provident fund loans.
Be cautious about the call for "cancellation"
There is a view that the housing provident fund system is "robbing the poor to help the rich". The reason is that the "poor" can't afford to buy a house, and the "rich" have to use the provident fund in the "pool" to enjoy low interest rates. In the long run, the voice calling for the abolition of the housing provident fund system has gradually gained the upper hand.
The voice of the boutique calling for cancellation will find that a considerable part of this voice comes from the business community. In particular, some "entrepreneurs" are keen to spare no effort to call for the abolition of provident fund on various occasions, thus reducing the burden on enterprises. What's more, the proposal to establish a "new system" as a supplement to the abolition of provident fund has never given a clear direction for the design of the "new system", which has become a tangible thing.
In the minds of these "entrepreneurs", it is true to try to cancel the housing provident fund system, but it is not necessarily true to advocate the establishment of a new system. The abolition of provident fund may not bring enterprises back to life, but it does come at the expense of the welfare of the masses. A system that benefits the whole people, from introduction to promotion, is an extremely prudent and complicated process. Once demolished, it is more difficult to rebuild.
It is true that the degree of marketization of China's real estate industry is not low, and commercial banks have become the main providers of mortgage loans. But this does not mean that the housing provident fund system has become insignificant. In the face of higher and higher total house prices and monthly payments, it is becoming more and more valuable to reduce the burden to some extent through provident fund.
If the market problem is to return to the market, enterprises should seek space from land price, rent, water and electricity charges, tax reduction and fee reduction, instead of "working hard" on the masses.
Reform requires efforts to achieve inclusiveness, fairness and value preservation.
It is urgent to reform the housing accumulation fund system. The direction of reform is by no means a "one-size-fits-all" blind cancellation, but a big article on planning to release the system dividend from the standpoint of the people.
Allow employees suffering from major diseases or their immediate family members to withdraw provident fund for emergency; Cancel housing provident fund, personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee fees; Exploring the establishment of a unified platform to handle the transfer of housing provident fund in different places ... It can be seen that the pace of reform has been accelerated from top to bottom in recent years. These reform efforts have responded to the expectations of the masses for the reform of the housing provident fund system in the new period, and there is still room for further improvement.
The withdrawal method of provident fund needs to be more flexible. For purposes closely related to housing, such as renting, decoration and renovation of old houses, we should further reduce the procedures for using the provident fund and do everything ourselves. For urgent needs such as major diseases and family changes, even medical care and old-age care, we can also consider the particularity, appropriately relax the scope of use, and strive to make the best use of the paid provident fund.
Encourage local innovation to expand deposits, enlarge the plate of provident fund, and lay a solid foundation for supporting housing security. Provident fund is a subsidy policy, but a considerable number of low-income groups who need to improve their purchasing power are not among them. Expanding the coverage of housing provident fund is not only one of the ways to increase the deposit of "cakes" and ease the financial pressure, but also a concrete manifestation of making this welfare benefit more people and reducing the pressure of buying houses. The reverse subsidy policy can be implemented for low-income groups, that is, the government pays more for high-wage groups and less for low-wage groups, which reflects fairness.
In order to solve the problems of "bottoming out" in some local cash pools and the depreciation of existing funds, we can explore the means of cross-regional overall planning of housing provident fund system and asset securitization, sum up experience in time and learn from it.
As long as the mind does not decline, the method is always more difficult than it is. Any system design, only by truly starting from the people and returning to the original heart, can get wider support and have more lasting vitality.