湘潭市住房公积金使用效率研究

发布时间：2018-06-29 12:22

本文选题：住房公积金 + 使用效率　；参考：《湘潭大学》2017年硕士论文

【摘要】：住房公积金制度是住房金融体系中不可或缺的一个方面,但自2013年以来,大部分学者认为住房公积金使用效率低下,未实现其建立的初衷,甚至加大了收入分配不公。结合国家“去库存”的方针政策,2015年和2016年住建部多次下文,要求提高住房公积金的资金使用效率,减少结余资金。基于此种形势,湘潭市为提高住房公积金的使用效率多次调整了政策。但政策调整后,湘潭市住房公积金使用效率是否达到预期目标尚未可知。本文结合湘潭市住房公积金管理情况和业务数据,研究了湘潭市住房公积金管理中心4次调整政策后的资金使用效率变化情况,并提出了进一步提高住房公积金使用效率的建议,对促进管理中心合理配置资金,加强资金管理,提高资金使用效率具有参考意义。本文首先介绍了住房公积金的定义、特性,详细阐述了我国住房公积金制度的形成与发展,归纳总结了影响住房公积金使用效率的因素,构建了评价住房公积金使用效率的指标体系。然后,结合2011-2016年湘潭市住房公积金业务数据,采用实证分析法,对其投入类指标(缴存类)和产出类指标(提取类、贷款类、国债类和增值收益)进行系统分析。基于投入产出角度下的资金使用效率理论,通过熵值法确定2011-2016年湘潭市住房公积金使用效率评价体系中各项指标的评分,采用综合评价法根据评分对资金使用效率做出综合评价。最后总结到,投入类指标平稳增长;产出类指标在2011-2014年稳定增长,但2015年后急剧增长,特别是其中的贷款类指标在2015年后大幅度增长,产出类指标中的提取类指标与投入类指标中的缴存指标增幅相当,国债指标处于不断下降状态,增值收益在2011-2015年平稳增长后在2016年大幅度下降,证实了管理中心的4次政策调整对资金使用效率的提高起到了一定的作用,但仍有待进一步提高。基于评价结果提出了加大归集扩面力度、完善贷款政策、对存款利息实行阶梯化、提高服务效率等建议,以期进一步提高湘潭市住房公积金使用效率,充分利用归集的资金,合理分配资金的使用,惠及更多的住房公积金缴存职工。
[Abstract]:The housing provident fund system is an indispensable aspect of the housing finance system, but since 2013, most scholars think that the housing accumulation fund is inefficient, has not realized the original intention of its establishment, and has even increased the unfair distribution of income. Combined with the national policy of "destocking", the Ministry of Housing and Construction in 2015 and 2016 has repeatedly called for improving the efficiency of the use of funds of the housing provident fund and reducing the balance of funds. Based on this situation, Xiangtan City to improve the use of housing provident fund efficiency many times adjusted the policy. But after the policy adjustment, Xiangtan City housing provident fund use efficiency is not known to achieve the expected goal. Based on the management and business data of Xiangtan housing provident fund, this paper studies the change of capital use efficiency after four adjustment policies of Xiangtan housing accumulation fund management center. Some suggestions on how to improve the efficiency of housing accumulation fund are put forward, which can be used as a reference for promoting the rational allocation of funds in the management center, strengthening the management of funds and improving the efficiency of the use of funds. This paper first introduces the definition and characteristics of housing provident fund, elaborates the formation and development of housing accumulation fund system in China, and summarizes the factors that affect the efficiency of housing accumulation fund. The index system of evaluating the efficiency of housing accumulation fund is constructed. Then, based on the data of housing accumulation fund in Xiangtan city from 2011 to 2016, the paper makes a systematic analysis of its input index (deposit class) and output type index (extraction class, loan class, national debt class and value-added income) by using empirical analysis method. Based on the input-output theory of the efficiency of the use of funds, through the entropy method to determine the evaluation system of Xiangtan housing provident fund use efficiency evaluation system from 2011 to 2016, The comprehensive evaluation method is used to evaluate the efficiency of the use of funds according to the score. Finally, it is concluded that the input-type indicators have steadily increased; the output category indicators have grown steadily in 2011-2014, but have increased sharply after 2015, especially in the loan category, especially in the post-2015 period, The output indicators are in the same category as those in the input indicators. The national debt index is in a state of constant decline, and the value-added income has declined significantly in 2016 after a steady growth in 2011-2015. It is proved that the four policy adjustments of the management center have played a certain role in improving the efficiency of the use of funds, but they still need to be further improved. Based on the evaluation results, some suggestions are put forward, such as increasing the scope of collection, perfecting the loan policy, implementing step by step interest on deposit, improving service efficiency and so on, in order to further improve the utilization efficiency of housing accumulation fund in Xiangtan City, and make full use of the collected funds. Reasonable allocation of funds to use, benefit more housing provident fund pay-in staff.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F299.23;F832.479

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