Such as 1, for the general salaried class, the housing provident fund loan is in name only. It can also be seen from the actual beneficiaries of the housing provident fund that the salaried class who truly use the housing provident fund to buy their first home are excluded. We must say that this is the congenital defect of the housing provident fund loan system. As long as the existing housing provident fund system is not abolished, even if the housing provident fund management center is transformed into a housing bank, it will be unable to help. In the face of 22.4 billion yuan of "sleeping" housing provident funds, workers in Gansu lament the difficulty of loans, but the provident fund management column claims "due to the squeeze of commercial mortgage loans, there are funds but cannot be lent out...". Lei Xingchang, a professor at Lanzhou Business College engaged in financial research, said: "Now we should rethink the positioning of the housing provident fund management center, whether it is an administrative-tinted public service column or a policy-based housing financial organization."
Many employees lament the difficulty of getting loans, which mainly gets stuck at the mortgage registration stage. Without a loan, they cannot fully pay the house price; without paying the full price, there is naturally no property certificate; without a property certificate, there is no physical collateral for the mortgage registration, and thus the housing provident fund management institution cannot disburse the loan. Moreover, the reason China established the housing provident fund system was actually a derivative of the housing distribution system reform. Now, the reform background of that time has long passed, and as a supporting system, the housing provident fund system has naturally completed its historical mission.
Should the housing provident fund system be reformed or abolished? As for why the housing provident fund management center is inefficient, there is one explanation that is both popular and very reasonable. In the eyes of commercial banks, borrowers are customers, while in the eyes of the housing provident fund management center, borrowers are just people being managed. Can managers provide efficient services to those being managed? According to this understanding, repositioning the housing provident fund management center and transforming it into a state-owned housing bank may solve the problems of low enthusiasm and inefficiency of the housing provident fund management center. However, this is not the case, because for the vast majority of contributors to the housing provident fund, the most pressing problem now is not the complicated procedures, but the inability to obtain loans.
The phenomenon of the "sleeping" housing provident fund is not limited to Lanzhou. In all places across the country, the provident funds are "sleeping" on their own, and this sleep has lasted for more than ten years. However, the "sleeping" of the provident fund is not due to a lack of enthusiasm for provident fund loans among people, but rather the actual difficulty of obtaining loans, mainly due to complicated procedures and low efficiency, which forces people to choose commercial loans over provident funds when faced with the choice between the two.
From international experience, this is also the case. Except for our country, there is not a single country or region among nearly 200 countries and regions in the world that has established a so-called housing provident fund system. Why do most countries in the world abandon the housing provident fund system? It's not because the original intention of this system is bad, but because this system creates new inequalities outside the current social wealth distribution sequence, and the foremost consequence is that the provident fund is occupied by a few vested interest groups, resulting in the provident fund doing things contrary to its original purpose.
Accordingly, I believe that instead of treating symptoms rather than root causes and establishing so-called housing banks, it would be better to eliminate the existing housing provident fund management system. Although this will not improve fairness, it will at least not harm fairness.
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