/kloc-when the 0/3 year provident fund regulations were first revised, what expectations did the people have?

A few days ago, the State Council Legislative Affairs Office published the Regulations on the Management of Housing Provident Fund (Revised Draft for Comment) for public consultation, which is the first revision of the regulations after 13. In recent years, problems such as disparity in deposits, precipitation of funds, and inconvenience in use have aroused widespread concern. What are the highlights of the revised draft that benefit the people? What are the practical shortcomings of the sword finger? What are the expectations of all sectors of society?

Expectation 1: How to change the "uneven fat and thin" of deposits and avoid the "sky-high provident fund"?

Revision of regulations: The revised draft clarifies that the base of provident fund deposit is not less than 60% of the average wage of employees in the city where employees live in the previous year and not more than 3 times of the average wage. The upper limit of the contribution ratio of units and employees is not higher than 12%, and the lower limit is not lower than 5%.

Reporter's investigation: In the past, the fairness of the provident fund regulations was most questioned because of the different deposit ratios and deposit bases in different places and industries. In the original regulations, the bottom line and upper limit of deposit are only stipulated in principle, not mandatory, which leads to a great gap in the deposit of provident fund.

Due to the lack of mandatory, the local provident fund deposit ratio is only 5% low and 25% high. The monthly salary base of housing provident fund deposit is also inconsistent. In some places, the basic salary is adopted, while in others, it is the sum of workers' subsidies and wages.

In some places, the base of provident fund payment in state-owned monopoly industries such as electric power and finance is as high as 40,000 to 50,000 yuan, and individuals and units pay a total of 10,000 yuan, while low-income groups such as catering services and labor-intensive industries only have one or two hundred yuan. The gap of provident fund is dozens of times, which aggravates the income distribution gap.

Some people expect that the regulations will be strictly enforced after they are revised and passed, so that the "sky-high provident fund" will not reappear.

Expectation 2: The coverage of employees is small, how to benefit more low-income groups?

Amendment to the Regulations: It is stipulated that individual industrial and commercial households, part-time employees and other flexible employees without employees can deposit housing provident fund and enjoy provident fund loans.

Reporter's survey: Statistics from the Ministry of Housing and Urban-Rural Development show that by the end of July 2065438+2005, 1. 1 100 million employees had paid into the national housing provident fund. According to the data released by the National Bureau of Statistics, at the end of 20 14, there were 393 million urban employees nationwide.

The person in charge of the provident fund management center of a prefecture-level city in Inner Mongolia said that the local financial support population and the housing provident fund of state-owned enterprises were all covered, but the individual and private enterprises paid less than 10%. The reporter learned that similar situations are very common throughout the country.

Hu Gang, a professor at the School of Management of Jinan University, said: "It is more unfair to pay the provident fund, but unfortunately, most of the groups who have not paid the provident fund have low income, few channels to defend their rights and weak game ability. System designers and managers should consider this more. "

Cao Zhiwei, a member of the Standing Committee of the Guangzhou Municipal Political Consultative Conference, suggested that employers, especially private enterprises, should be forced to pay housing provident fund for individuals, and compulsory implementation should be considered as social security, so as to truly expand the benefits of the system.

Expectation 3: Value-added benefits frequently "turn private into public". How to protect the rights and interests of depositors?

Amendment to the regulations: delete the provision that the value-added income of housing provident fund is used as supplementary funds for urban low-rent housing construction.

Reporter's investigation: The current regulations clearly stipulate that the provident fund belongs to the depositor and is only managed by specialized agencies. But in recent years, there have been many disputes about the use of provident fund income in many parts of the country. 20 13 Wuhan uses the value-added income of provident fund to build public rental housing, which has aroused social concern. Who owns the value-added income of provident fund?

According to the data released by the Guangzhou Municipal Government, since the establishment of the housing provident fund system in Guangzhou in 1992, as of June 20 15, the accumulated value-added income was1271000000 yuan, except for the withdrawal of risk reserve 1989 million yuan and the withdrawal of management fee of 957 million yuan.

The government's "escrow" income "turns private into public". "The value-added income is turned over to the finance for the construction of affordable housing, which is equivalent to the government taking away the income belonging to some depositors, passing on its own public service responsibility and harming the interests of depositors." Cao Zhiwei said.

A director of a local provident fund management center told reporters that in the past two years, relevant departments have met several times to discuss the revision of the provident fund regulations, but many places strongly oppose deleting the value-added income of housing provident fund for supplementary funds for affordable housing. "The revision of this article is equivalent to moving the local' big cheese', and the resistance to reform can be imagined."

Hu Gang said that the revised draft regulations clarified the ownership of value-added benefits and blocked the channels for the government to reach out and deposit people's pockets at will, which was a great progress.

Expectation 4: Personal income can't run away from CPI. How can we not "wait for devaluation"?

Revision of regulations: promoting the preservation and appreciation of funds. Housing provident fund can be used to purchase high-credit fixed-income products such as treasury bonds, certificates of deposit, local government bonds, policy financial bonds and housing provident fund personal housing loan-backed securities.

Reporter's investigation: In the past, due to the narrow investment channels and other factors, coupled with the rising price level, it was difficult to maintain and increase the huge balance of housing provident fund, and personal account income "could not run away from CPI".

The current regulation of value-added income of provident fund is that the part paid for more than one year is calculated at a fixed interest rate of three months, and the part paid for less than one year is calculated at a current interest rate of three months. Based on the current interest rate, the three-month fixed deposit rate implemented by the bank is only about 1%, the provident fund 1 10,000, and the annual interest income is more than 1 10,000, so we can only "wait and see". After the revision of the regulations, the investment channels of the provident fund will be broadened, which is expected to increase the income.

By the end of 20 14, the balance of provident fund loans was 2.55 trillion yuan. Some insiders estimate that if the securitization rate of mortgage assets including housing provident fund can reach 50%, it can provide more than 7 trillion yuan of liquidity. However, Han Shitong, vice president of Guangdong Real Estate Research Association, believes that the provident fund management center belongs to the non-bank financial system, and if there is no corresponding strict management system, there may be risks in the future.

Many people said that the regulations mentioned how to increase the value-added income of the provident fund, but also mentioned specific channels, but it is not clear how much value-added income the people can enjoy after increasing the income. "The policy must be clear."

Expectation 5: it is difficult to limit cash withdrawal. How to make provident fund a real "housing currency"?

Amendment to the regulations: In addition to the original purchase and mortgage payment, the housing provident fund can be used for housing consumption such as renting, decorating and paying property fees. At the same time, the materials needed to handle these businesses are simplified, and the time limit for loan processing is reduced from 15 to 10. Where conditions permit, provincial-level pooling of provident funds can be implemented.

Reporter's investigation: In the past, the masses repeatedly complained about "complicated procedures", "slow arrival" and "many restrictions" in handling provident fund. Some people complain that they can only buy a house, but they can't use the provident fund to rent a house, decorate it or pay property fees. Once the job changes, it is extremely difficult to withdraw and use provident fund loans in different places.

An expert close to the revision of the system pointed out that in the past, it was difficult to be universal in different places because the fund management right was in the local government and the loan collection business was in the handling bank. Due to decentralized management, a large amount of funds have been deposited in some places, and some places have to limit the loan amount because of insufficient funds. The system used in different places is not uniform, and the competent department can only report statistical data to other places, so the efficiency of supervision and overall planning is very low and the effect is not good.

Liu Hongyu, director of the Tsinghua University Real Estate Research Institute, said that broadening the scope of application of the provident fund and simplifying the procedures for its use will help the provident fund to truly play its role as a "housing currency" and play its due role. Some insiders said that from the management point of view, at present, trillions of funds are scattered in hundreds of housing provident fund centers across the country. "No institution can manage it." It is necessary to clarify the direction of reform and formulate a national networking timetable.

(The above answers were published on 2015-12-01. Please refer to the actual situation for the current purchase policy. )

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