住房公积金属于政策性住房金融,是国家住房保障体系的重要组成部分,其特点是直接以金融手段支持广大城镇职工在市场上解决住房问题。经过十多年的运作,住房公积金在住房制度改革中,在金融互助、增强缴存公积金职工的购房支付能力等方面发挥了巨大作用,但由于住房公积金是在我国 Housing accumulation fund belongs to the policy of housing finance, is an important part of the national housing security system, which is characterized by direct financial means to support the majority of urban workers in the market to solve the housing problem. After more than 10 years of operation, housing provident fund has played a great role in the reform of the housing system in terms of financial mutual aid and enhancement of the ability to pay for the purchase of housing provident fund employees. However, due to the housing accumulation fund in China