Chinese Public Administration. 2015, (02) Core

Research on Mutual Security Function of Housing Provident Fund Loan for Basic Living——Methods of Determing Personal Credit Line HPFChinese Full Text

Wang Yongfeng;Housing Fund Center,National Government Offices Administration;

Abstract: As the institution of housing mutual security,the Housing Provident Fund（HPF）loan can’t despise the poor but to be keen on the rich,just like the commercial financial loan.Nowdays,the HPF loan did not make the function of protection play enough.Complying with the property of institution and acting as mutual fund and supporting basic livings,it’s needing to establish mathematical methods to calculate the HDF credit line on the basis of contribution to fund,living condition,house-purchased,other housing loans and personal credibility of the HPF contributor and his family.The methods,which should be fair and unified,continuous and stable,and flexible and convenient,will be used to calculate a HPF credit line,to determine the rational value of loan finally,to bring the security function of HPF into full play,and to ensure the security of loan assets.

Keywords：

housing provident fund; credit line; mathematical methods; mutual security function;

Series：
(G) Politics/ Military Affairs/ Law; (J) Economics ＆ Management
Subject：
Macro-economic Management and Sustainable Development; Finance; Investment
Classification Code：
F299.233.4;F832.479

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Research on Mutual Security Function of Housing Provident Fund Loan for Basic Living——Methods of Determing Personal Credit Line HPFChinese Full Text

Wang Yongfeng;Housing Fund Center,National Government Offices Administration;

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