关乎逾1.7亿人利益！中央“点名”后，住房公积金制度改革怎么走？

Core Viewpoint - The recent discussions around the reform of the housing provident fund system have gained significant attention, particularly after the central government highlighted the need for reform, indicating potential major changes ahead for the system and its impact on the real estate market [4][23]. Group 1: Reform Signals - The Central Economic Work Conference in December 2025 proposed "deepening the reform of the housing provident fund system," marking the first time the fund has been specifically mentioned in nearly a decade of conference reports [4][23]. - The national housing and urban-rural construction work conference also emphasized the importance of the provident fund, indicating a strong focus on its reform in the context of stabilizing the real estate market [4]. Group 2: Recent Trends in Housing Provident Fund - The total amount deposited into the housing provident fund has shown a steady increase, reaching approximately 36,317.83 billion yuan in 2023, up from 31,935.05 billion yuan in 2022, reflecting an increase of about 13.5% year-on-year [6][12]. - The total amount withdrawn from the housing provident fund has also increased, with 27,654.84 billion yuan withdrawn in 2023, compared to 21,363.27 billion yuan in 2022, indicating a significant rise in withdrawals [9][12]. Group 3: Regional Withdrawal Data - In 2024, the housing provident fund withdrawal data showed that Beijing had a withdrawal amount of 2,631.25 billion yuan with a withdrawal rate of 80.67%, while Jiangsu had a withdrawal amount of 2,411.44 billion yuan with a rate of 74.39% [15]. - Other regions like Tianjin and Shanghai also reported high withdrawal rates, indicating a trend of increased utilization of the provident fund for housing-related expenses [15]. Group 4: Policy Changes and Market Impact - Over 630 real estate policies were introduced across various regions in 2025, with around 280 policies specifically aimed at optimizing provident fund loan policies, highlighting a significant focus on reforming the fund's usage [16]. - The anticipated reforms are expected to positively influence the real estate market by supporting healthy development and promoting housing consumption [23]. Group 5: Future Directions of Reform - The Ministry of Housing and Urban-Rural Development is working on optimizing the management of the housing provident fund and expanding its usage, which may include allowing flexible employment individuals to participate in the system [29]. - Future adjustments to the provident fund policies are expected to be more systematic, focusing on expanding the fund's usage scope and improving fund efficiency, with potential support for inter-regional recognition and lending [29].