摘要:通过数据分析对德清县住房公积金制度的历史和运行现状进行介绍，总结目前公积金制度在功能作用和治理机制两方面存在的问题，包括公积金贬值、覆盖率低、公平欠缺、监管薄弱、金融风险等，分析问题产生的原因，然后通过对新加坡、巴西的强制性住房储蓄制度经验的借鉴，提出有效的改进措施或者改革方向，包括扩大公积金覆盖面、机构优化、放宽投资渠道、建立跨地区余额调节机制、设立科学的缴存机制、个贷政策向低收入家庭倾斜等。

关键词：住房公积金；存在问题；对策研究

Abstract:This paper will conduct an analysis on the history and status quo of house funding system of Deqing County with collected data, summarize the existing problems of current house funding system in functions and administrative mechanism, including funds devaluation, low coverage rate, lack of fairness, ineffective supervision, financial crisis, etc, and discuss the causes of these problems. Accordingly, by getting referential experiences of mandatory housing reserved fund system practiced in Singapore and Brazil, some effective improvement measures or reformation direction will be put forward, such as expanding the coverage of housing fund, optimizing mechanism, widening the investment channel, establishing interregional regulatory mechanism on remaining balance, setting up scientific deposit mechanism and leading credit policies to meet the demand of lower-income families, etc.

Key words: Housing Fund; Existing Problems; Countermeasure Study

　　　在德清县城市化不断深入的今天，住房公积金制度正面临着不断的挑战，各种问题层出不穷，笔者对德清县住房公积金制度所提出的建议，有一些在现阶段缺少实践的基础，需要我们的公积金管理者、执法者、监督者在工作中不断地探索，为理论革新创造所需要的环境，结合本地情况去深化改革，真正达到增强全县在职职工的购房支付能力的目的。这样，再十年或者更长时间后，德清住房公积金制度能够运行得更好，成为可以保障人民生活方方面面的综合性社保基金，为德清县的社会发展做出更多的贡献。