公积金制度怎么改？专家建议拓展支持“大住房消费”

Core Viewpoint - The housing provident fund system in China is expected to undergo significant reforms by 2026, focusing on expanding usage, improving efficiency, and supporting inter-city recognition and lending [2][3][8] Group 1: Policy Changes and Trends - Recent discussions highlight the need for more flexible withdrawal conditions and expanded usage scenarios for the housing provident fund, including payments for down payments, property fees, renovation costs, and taxes [2][4] - The Central Economic Work Conference in December 2025 marked the first call for deepening reforms of the housing provident fund in nearly a decade, indicating a shift in policy direction [3][4] - In 2025, over 630 real estate policies were introduced nationwide, with approximately 280 related to the housing provident fund, focusing on increasing loan limits and optimizing withdrawal conditions [4] Group 2: Local Government Initiatives - Cities like Shenyang and Chengdu have introduced new policies to optimize housing provident fund loans, including extending minimum down payment ratios and allowing family members to withdraw funds for home purchases [5][6] - Local governments are increasingly allowing the use of housing provident funds for non-traditional expenses, such as property fees and rental payments, reflecting a broader acceptance of fund usage [5][9] Group 3: Challenges and Recommendations - Despite the reforms, challenges remain, particularly regarding the efficiency of inter-city loan and withdrawal processes, which are often hindered by lengthy verification procedures [8] - Experts suggest that the housing provident fund should evolve from a welfare-based system to a more inclusive financial tool that addresses the needs of new citizens, young people, and flexible workers [7][9] - The current trend shows a decline in the proportion of provident fund withdrawals for housing consumption, indicating a need for policy adjustments to enhance its role in supporting housing needs [7][8]