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<script type="text/javascript"> jQuery("#lmy_top_box").slide({ type:"menu", titCell:".more", targetCell:".sub01", effect:"slideDown", delayTime:100, triggerTime:100 }); </script> </div>  <div class="cmuh2yr" id="main" class="logo"> <a href=""><img src="http://res.yun.cnhubei.com/t/site/10001/67387ec5be6b393bef59a3eb2feee85b/assets//hbrb/logo.jpg" /></a> </div> <div class="cmuh2yr" id="main"> <div id="cmuh2yr" class="w800"> <div id="cmuh2yr" class="nf"></div> <div id="cmuh2yr" class="zjd"> <p>瀵逛笉璧鳳紝鎮(zhèn)ㄨ璁塊棶鐨勯〉闈笉瀛樺湪鎴栧凡琚垹闄?<br> <span id="xy">10</span> <span>縐掍箣鍚庡皢甯︽?zhèn)ㄥ洖鍒?a >鑽嗘緗戦欏?/a></span></p> <div id="cmuh2yr" class="blank10" style="border-bottom:1px dashed #CCC; height:18px"></div> </div> </div> <script type="text/javascript"> var i = 9; var intervalid; var xy = document.getElementById("xy"); intervalid = setInterval("fun()", 1000); function fun() { if (i == 0){ window.location.; clearInterval(intervalid); } xy.innerHTML = i; i--; } </script> </body> </html> </div> </div> </div>   <div id="cmuh2yr" class="block_top" id="b1"> <div id="cmuh2yr" class="block_container"> <div id="cmuh2yr" class="left"> <div id="cmuh2yr" class="focus"> <div id="cmuh2yr" class="hiddencontent"> <h3 class="focus_title"> 湖北“公積金新政16條”惠民多少 </h3> </div> <p> <span> 湖北“公積金新政16條”惠民多少 </span> <span> </span> </p> <p class="focus_desc"> 湖北省政府近日下發(fā)《關(guān)于進(jìn)一步加強(qiáng)住房公積金管理工作的通知》，這是其在全國率先出臺的住房公積金綱領(lǐng)性文件，一共5部分16條，被稱為湖北住房公積金“新政16條”。此次新政都有哪些亮點(diǎn)？具體如何適用？ </p> </div> </div> <div class="cmuh2yr" id="focuspic_c"> <div id="cmuh2yr" class="blank6"></div> <a href="http://www.pomelofruit.com/xw/jj/201411/t3094544.shtml" title="" target="_blank"> <img src="./tb4/201411/W020141112565354102968.jpg" alt="湖北“公積金新政16條”亮點(diǎn)多多"/> <p> 湖北“公積金新政16條”亮點(diǎn)多多 </p> </a> </div> <div id="cmuh2yr" class="clear"></div> </div> </div>   <div id="cmuh2yr" class="block" id="b2">  <div id="cmuh2yr" class="left">  <div id="cmuh2yr" class="inner_block_1"> <div id="cmuh2yr" class="inner_block_title"> <span></span> <h3> 亮點(diǎn)解讀：多項突破性措施全國先行示范 </h3> </div> <div id="cmuh2yr" class="inner_block_desc"> <div id="cmuh2yr" class="inner_block_desc_left"> <div id="cmuh2yr" class="inner_block_desc_left_top"></div> <div id="cmuh2yr" class="inner_block_desc_left_center"> <div id="cmuh2yr" class="inner_block_desc_pic"> <a href="http://www.pomelofruit.com/xw/jj/201411/t3094855.shtml" target="_blank"> <img src="./4lm1/201411/W020141113380135594509.jpg" alt="" /> <p> 有些改革措施屬全國首創(chuàng)。 </p> </a> </div> </div> <div id="cmuh2yr" class="inner_block_desc_left_bottom"></div> </div> <div id="cmuh2yr" class="inner_block_desc_right"> <p> <style id=_Custom_Style_> .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } DIV.union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } DIV.union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } </style> 　　《通知》提出，公積金可用于房屋裝飾裝修，同一設(shè)區(qū)城市必須執(zhí)行同一繳存比例，探索建立省級層面住房公積金調(diào)劑融資機(jī)制和住房公積金個人住房貸款資產(chǎn)證券化業(yè)務(wù)，強(qiáng)化住房公積金管委會作用，將勞務(wù)派遣人員和在城市中有穩(wěn)定工作的進(jìn)城務(wù)工人員及時納入住房公積金繳存范圍等。這些惠民改革措施，有的屬全國首創(chuàng)，有的有重大突破，在全國具有先行示范作用。 </p> </div> <div id="cmuh2yr" class="clear"></div> </div> <div id="cmuh2yr" class="inner_block_content"> <div id="cmuh2yr" class="inner_block_content_title"> <h3> 湖北公積金“新政16條”六大亮點(diǎn) </h3> </div> <div id="cmuh2yr" class="inner_block_content_c"> <style id=_Custom_Style_> .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } DIV.union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } DIV.union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } </style> <P>　<STRONG>　亮點(diǎn)一貸款提速半個月 </STRONG></P> <P>　　整個貸款流程不得超過15個工作日，比以往速度提高了半個月。</P> <P>　<STRONG>　亮點(diǎn)二用途首創(chuàng)：可裝修、繳物業(yè)費(fèi)</STRONG></P> <P>　　低收入困難家庭，可用公積金繳納物業(yè)費(fèi)。還可憑正規(guī)合同，提取規(guī)定額度內(nèi)的公積金用于房屋裝飾裝修，這些措施屬于我省首創(chuàng)。</P> <P>　<STRONG>　解讀：</STRONG></P> <P>　　很多繳存職工反映，公積金提取使用，實際只有購房貸款一種方式，其余建造、翻建、大修很少運(yùn)用。公積金的受惠面太窄，對于買不起房的低收入者，基本享受不到公積金的實惠。有觀點(diǎn)甚至認(rèn)為，公積金是“劫貧濟(jì)富”。</P> <P>　<STRONG>　亮點(diǎn)三繳存同城同比例杜絕“分配不公”</STRONG></P> <P>　　住房公積金繳存基數(shù)，不得高于設(shè)區(qū)城市上年度職工平均工資的3倍，不得低于設(shè)區(qū)城市上年度最低工資標(biāo)準(zhǔn)。首次提出繳存比例低的設(shè)區(qū)城市，要逐步提高繳存比例，同一設(shè)區(qū)城市應(yīng)執(zhí)行同一繳存比例。</P> <P>　<STRONG>　解讀：</STRONG></P> <P>　　現(xiàn)行《住房公積金管理條例》規(guī)定，個人繳存比例為5%到12%，單位1:1配補(bǔ)。由于個人收入水平和執(zhí)行比例的差異，不同行業(yè)的職工，繳存額度存在巨大差異。據(jù)我省中部某市統(tǒng)計，在該市電力、金融等行業(yè)，個人月平均繳存額最高的達(dá)到6660元，公積金幾乎成了職工的隱形福利，而在該市餐飲、勞務(wù)等行業(yè)，個人月繳存額最低只有75.6元，兩者相差88倍。這種狀況顯然不公平，此條可防止出現(xiàn)公積金繳存“相差懸殊”的現(xiàn)象。</P> <P>　<STRONG>　亮點(diǎn)四打破戶籍藩籬惠及農(nóng)民工</STRONG></P> <P>　　將勞務(wù)派遣人員、在城市中有穩(wěn)定工作的進(jìn)城務(wù)工人員及時納入住房公積金繳存范圍。</P> <P>　<STRONG>　解讀：</STRONG></P> <P>　　這一變化作用很大，人社部數(shù)據(jù)顯示，截至2013年年底，全國農(nóng)民工2.69億人，其中外出農(nóng)民工1.66億人，農(nóng)民工在城鎮(zhèn)落戶安家，必須解決住房問題，公積金制度為農(nóng)民工買房提供了一條渠道。值得注意的是，我省城鎮(zhèn)化率每年提高1個百分點(diǎn)左右，意味著每年有60萬左右的農(nóng)民工在城鎮(zhèn)落戶安家，無疑為城鎮(zhèn)化進(jìn)程起到穩(wěn)固推進(jìn)的積極作用。</P> <P>　<STRONG>　亮點(diǎn)五父母或子女購房可互用公積金</STRONG></P> <P>　　允許繳存職工購房時，同時申請使用父母、子女的住房公積金。</P> <P>　<STRONG>　解讀：</STRONG></P> <P>　　2012年武漢曾出臺政策，低�；虻褪杖爰彝ベ彿浚改�、子女可以申請?zhí)崛「髯缘墓e金存儲余額，幫助對方償還貸款。但只針對低收入家庭，且必須出具《武漢市城市居民最低生活保障金領(lǐng)取證》，或者家庭人均可支配收入低于上年度人均可支配收入60%以下。而未來湖北省內(nèi)，父母、子女購房時互用對方的公積金，不再限定家庭收入狀況。</P> <P>　<STRONG>　亮點(diǎn)六公積金可省內(nèi)異地貸款</STRONG></P> <P>　　本省范圍內(nèi)異地購房的家庭，都可以用繳存地住房公積金來辦理貸款，各市縣將實現(xiàn)繳存異地互認(rèn)與轉(zhuǎn)移接續(xù)。</P> <P>　<STRONG>　解讀：</STRONG></P> <P>　　公積金省內(nèi)打通使用之后，意味著對這樣一批返鄉(xiāng)置業(yè)的群體，利用公積金，將實現(xiàn)更低成本的購房。</P> </div> </div> </div>  <div id="cmuh2yr" class="blank32"></div>  <div id="cmuh2yr" class="inner_block_2"> <div id="cmuh2yr" class="inner_block_title"> <span></span> <h3> 全國掃描：公積金新政各地冷暖不一 </h3> </div> <div id="cmuh2yr" class="inner_block_desc"> <div id="cmuh2yr" class="inner_block_desc_top"></div> <div id="cmuh2yr" class="inner_block_desc_center"> <div id="cmuh2yr" class="inner_block_desc_pic"> <a href="http://www.pomelofruit.com/xw/gn/201411/t3097717.shtml" target="_blank"> <img src="./lm2/201411/W020141112626725885905.jpg" alt="繼限購松綁和貸款新政之后，三部委再推公積金新政。"/> <p> 繼限購松綁和貸款新政之后，三部委再推公積金新政。 </p> </a> </div> </div> <div id="cmuh2yr" class="inner_block_desc_bottom"></div> </div> <div id="cmuh2yr" class="inner_block_content"> <div id="cmuh2yr" class="inner_block_content_title"> <h3> 三部門推公積金新規(guī)：繳存異地互認(rèn) 取消多個收費(fèi)項目 </h3> </div> <div id="cmuh2yr" class="inner_block_content_c"> <style id=_Custom_Style_> .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } DIV.union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } DIV.union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } </style> <P>　　繼限購松綁和貸款新政之后，近日，住建部、財政部和央行聯(lián)合印發(fā)《關(guān)于發(fā)展住房公積金個人住房貸款業(yè)務(wù)的通知》，要求各地放寬公積金貸款條件，包括連繳6個月就能申請貸款，二套房也可申請貸款等。同時實現(xiàn)公積金異地互認(rèn)、轉(zhuǎn)移接續(xù)，并取消住房公積金個人住房貸款保險、公證、新房評估和強(qiáng)制性機(jī)構(gòu)擔(dān)保等收費(fèi)項目，以減輕貸款職工負(fù)擔(dān)。記者在河南、廣州、武漢、四川等地采訪發(fā)現(xiàn)，公積金新政在各地的待遇頗為不同。</P> </div> </div> <div id="cmuh2yr" class="inner_block_content"> <div id="cmuh2yr" class="inner_block_content_title"> <h3> 各地公積金新政相繼登場：廣州申貸堪比春運(yùn)搶票 </h3> </div> <div id="cmuh2yr" class="inner_block_content_c"> <style id=_Custom_Style_> .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } DIV.union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } DIV.union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } </style> <P><STRONG>　　武漢：二套房首付六成變?nèi)?/STRONG></P> <P>　　繼“鄂六條”、武漢全面解除限購、央行限貸松綁等政策密集出臺之后，武漢近日再祭出一項救市政策——二套房公積金貸款首付由六成調(diào)整至三成。</P> <P style="MARGIN: 0px">　<STRONG>　四川：只能在戶籍所在地申請</STRONG></P> <P>　　此次三部門的新政中比較突出的就是異地貸款，四川省住建廳強(qiáng)調(diào)，申請貸款只能在戶籍所在地申請住房公積金個人住房貸款，同時在戶籍所在地購買自住住房。</P> <P>　　另外，四川省住建廳將對申請公積金貸款購買的二套房的面積、價格進(jìn)行限制，必須滿足在當(dāng)?shù)亍爸械蛢r位、中小戶型”標(biāo)準(zhǔn)。不過，由于各地經(jīng)濟(jì)發(fā)展情況不同，全省不會統(tǒng)一劃出具體標(biāo)準(zhǔn)。</P> <P>　<STRONG>　廣州：公積金變史上最嚴(yán)“公雞金”</STRONG></P> <P>　　三部委要求各地推進(jìn)公積金異地貸款，包括連繳6個月就能申請貸款，二套房也可申請貸款等。這與廣州10月11日審議通過的“史上最嚴(yán)”公積金新政多有抵觸。廣州新政明確公積金貸過一次不能再貸，除要求連續(xù)正常繳納公積金6個月外，還要求本地人累計繳存住房公積金兩年(含)以上，非本市戶籍累計繳存公積金三年(含)。最大的沖突在于二次貸款方面。《通知》強(qiáng)調(diào)，住房公積金貸款對象為“購買首套自住住房或第二套改善型普通自住住房的繳存職工”。但廣州新政則明確規(guī)定，公積金不能貸兩次。</P> <P>　　廣州市住房公積金管理中心主任夏衛(wèi)兵稱，目前廣州公積金提取比例已超過警戒線，達(dá)全國最高，北京和上海提取比例為50%，相比之下，廣州新增提取比例高達(dá)76%，個別月份甚至超過八成，該政策主要是為了保證繳存職工能公平公正申請住房公積金貸款。在廣州申請公積金貸款比搶春運(yùn)火車票還難。</P> <P><STRONG>　　河南：新政尚未落地</STRONG></P> <P>　　三部委公積金新政出臺前，河南已有相關(guān)政策推出，公積金貸款購買首套房，首付比例最低可達(dá)20%。但這樣的優(yōu)惠政策，河南多地市民尚未享受到。</P> </div> </div> </div>  <div id="cmuh2yr" class="blank32"></div>  <div id="cmuh2yr" class="inner_block_1"> <div id="cmuh2yr" class="inner_block_title"> <span></span> <h3> 這些年，傷不起的公積金 </h3> </div> <div id="cmuh2yr" class="inner_block_desc"> <div id="cmuh2yr" class="inner_block_desc_left"> <div id="cmuh2yr" class="inner_block_desc_left_top"></div> <div id="cmuh2yr" class="inner_block_desc_left_center"> <div id="cmuh2yr" class="inner_block_desc_pic"> <a href="" target="_blank"> <img src="./4lm3/201411/W020141112630165327389.jpg" alt="" /> <p> 公積金“交錢容易取錢難”成詬病。 </p> </a> </div> </div> <div id="cmuh2yr" class="inner_block_desc_left_bottom"></div> </div> <div id="cmuh2yr" class="inner_block_desc_right"> <p> <style id=_Custom_Style_> .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } DIV.union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } DIV.union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } </style> <P>　　多年來，公眾對于公積金“提取難”的呼聲從沒有斷過。公積金“交錢容易取錢難”，這是不少地方公眾反映的一個共性問題。另外，公眾反映一個突出的問題就是公積金提取范圍過于狹窄，實際上部分城市明文規(guī)定的說“租房可以提缺，但是實際上操作起來是一紙空文。此外，公積金在保值、風(fēng)險管控、公平性等方面也受到很多百姓的詬病，不同行業(yè)之間公積金繳存數(shù)倍乃至數(shù)十倍的差距也不斷沖擊著人們對于社會公平的底線，現(xiàn)在公積金住房制度的漏洞也同時給一些公積金管理人員創(chuàng)造了一個隱蔽的貪腐機(jī)會，給個別行政事業(yè)單位或者是國有企業(yè)的干部職工提供了一條違規(guī)濫發(fā)福利的渠道。</P> </p> </div> <div id="cmuh2yr" class="clear"></div> </div> <div id="cmuh2yr" class="inner_block_content"> <div id="cmuh2yr" class="inner_block_content_title"> <h3> 亂象一：濟(jì)富不濟(jì)貧 </h3> </div> <div id="cmuh2yr" class="inner_block_content_c"> <style id=_Custom_Style_> .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } DIV.union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } DIV.union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } </style> <P>　　亂象一：濟(jì)富不濟(jì)貧：現(xiàn)行公積金制度最為人詬病的就是濟(jì)富不濟(jì)貧。當(dāng)年從新加坡引入一整套社保制度時，養(yǎng)老、醫(yī)療、失業(yè)保險都采取強(qiáng)制繳費(fèi)制度，由社保局統(tǒng)一征收管理�？紤]到我國各地經(jīng)濟(jì)發(fā)展差異較大，因此住房公積金并沒有成為社保的一部分而要求在全國范圍內(nèi)統(tǒng)一強(qiáng)制推行，導(dǎo)致不同地區(qū)、不同所有制的企業(yè)和機(jī)關(guān)事業(yè)單位繳納公積金的積極性和金額大不相同。許多經(jīng)營不規(guī)范，利潤較微薄的民營企業(yè)想方設(shè)法逃避給員工繳納公積金的責(zé)任。</P> <P>　　更嚴(yán)重的不公在于，在那些繳納了公積金的員工中，同樣存在兩極分化現(xiàn)象。一邊是大量民企職工雖納入公積金體系卻按最低法定標(biāo)準(zhǔn)繳費(fèi)，另一邊卻是大量國有企業(yè)尤其是壟斷行業(yè)的國企以及機(jī)關(guān)事業(yè)單位工作人員在以最高標(biāo)準(zhǔn)給職工繳納公積金后，還繳納了金額更高的補(bǔ)充公積金。</P> </div> </div> <div id="cmuh2yr" class="inner_block_content"> <div id="cmuh2yr" class="inner_block_content_title"> <h3> 亂象二：提取太困難 </h3> </div> <div id="cmuh2yr" class="inner_block_content_c"> <style id=_Custom_Style_> .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } DIV.union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } DIV.union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } </style> <P>　　亂象二：提取太困難：在老百姓與公積金中心打交道的過程中，公積金提取范圍過于狹窄、手續(xù)過于繁瑣是最突出的問題。比如在申請公積金貸款時就必須要辦理好幾道手續(xù)，跨過多個“門檻”，甚至必須先付齊首付款、辦理完過戶手續(xù)并拿到房產(chǎn)證后才可提取公積金。而完成前面那些步驟就要一個多月時間，之后再申請?zhí)崛」e金，往往又要等上幾天到幾周的時間。有時候公積金發(fā)放速度還得碰運(yùn)氣，一兩天是“驚喜”，一兩個星期算“正�！�，一兩個月也“認(rèn)了”。</P> <P>　　盡管部分地方政府也在努力簡化材料，縮短流程，擴(kuò)大款公積金提取范圍。比如補(bǔ)貼低保、醫(yī)保費(fèi)用或支付房租、物業(yè)費(fèi)、裝修費(fèi)等。可實際上，雖然不少城市明文規(guī)定可以這么做，但真要落到實處卻并不容易，成功者寥寥。</P> </div> </div> <div id="cmuh2yr" class="inner_block_content"> <div id="cmuh2yr" class="inner_block_content_title"> <h3> 亂象三：管理難放心 </h3> </div> <div id="cmuh2yr" class="inner_block_content_c"> <style id=_Custom_Style_> .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } DIV.union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } DIV.union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .h1 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 240%; MARGIN: 17pt 0cm 16.5pt; FONT-SIZE: 22pt; FONT-WEIGHT: bold } .h2 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .h3 { PAGE-BREAK-AFTER: avoid; TEXT-JUSTIFY: inter-ideograph; TEXT-ALIGN: justify; LINE-HEIGHT: 173%; MARGIN: 13pt 0cm; FONT-SIZE: 16pt; FONT-WEIGHT: bold } .union { LINE-HEIGHT: 18px; FONT-SIZE: 14px } .union TD { LINE-HEIGHT: 18px; FONT-SIZE: 14px } </style> <P>　　亂象三：管理難放心：由此又引申出第三個亂象——管理混亂。現(xiàn)行公積金管理制度是“房委會決策、公積金管理中心運(yùn)作、銀行專戶存儲、財政監(jiān)督”，形式上很完美，但公積金的真正所有者始終被置于無建言權(quán)、無監(jiān)督權(quán)的位置。</P> <P>　　其中決策者“房委會”成員多為政府官員，負(fù)責(zé)具體運(yùn)作的公積金管理中心多是具有實權(quán)的市房改辦、財政局、建委的隸屬機(jī)構(gòu)，或是與地方房改辦一套班子、兩塊牌子，這令公積金很容易被特權(quán)者擠占、挪用。而在整個公積金制度體系中本應(yīng)處于核心地位的公積金管理中心實際上是個“三無單位”：無資本金、無風(fēng)險承擔(dān)能力、不是獨(dú)立的金融機(jī)構(gòu)，根本不具備承擔(dān)經(jīng)營風(fēng)險和民事責(zé)任的能力。這使住房公積金管理中心成為一個制度設(shè)計上最忌諱出現(xiàn)的機(jī)構(gòu)：權(quán)很大，可以運(yùn)作龐大的資金；但責(zé)很小，其本身的資產(chǎn)根本不足以承擔(dān)任何風(fēng)險。此外，住房公積金實行屬地化封閉管理，地區(qū)間的資金無法調(diào)劑使用，導(dǎo)致了部分地區(qū)有錢無貸，部分地區(qū)有貸無錢的局面。一些城市資金供給緊張，中西部城市資金則大量結(jié)余閑置，異化為銀行低成本運(yùn)營資金。</P> </div> </div> </div>   <div class="cmuh2yr" id="jy"> <div class="cmuh2yr" id="jy_left"> </div> <div class="cmuh2yr" id="jy_right"> <p> 公積金政策無論如何調(diào)整，在便民中惠民才是最終改革方向。 </p> </div> <div id="cmuh2yr" class="clear"></div> </div>  </div>   <div id="cmuh2yr" class="right">  <div id="cmuh2yr" class="right_block_title"> <span id="cmuh2yr" class="title_left">相關(guān)稿件</span> <span id="cmuh2yr" class="title_right"></span> </div> <div class="cmuh2yr" id="right_list"> <ul class="newslist 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