焦点访谈｜让住房公积金“活”起来 书写温暖民生答卷

Core Viewpoint - The reform of the housing provident fund system is essential for promoting stable and healthy development in the real estate market and better supporting housing demand, as emphasized in the Central Economic Work Conference held at the end of 2025 [1] Group 1: Housing Provident Fund System Reform - The housing provident fund system has become a crucial part of China's housing security system, with 176 million contributors and a total balance of 10.9 trillion yuan by the end of 2024 [3] - The reform aims to address the "sleeping" funds in accounts and improve the efficiency of fund usage, which has become a hot topic in society [3] - The necessity of reform is driven by the public's higher expectations for the provident fund's role in supporting housing consumption and the system's misalignment with current economic and social developments [3] Group 2: Expansion of Usage Scenarios - Recent innovations in housing provident fund policies include supporting the installation of elevators in old residential buildings, addressing the needs of elderly residents [5][8] - Many cities have begun to include elevator installation costs in the scope of provident fund withdrawals, allowing family members to withdraw funds on behalf of elderly residents [8][10] - The reform also extends the usage of the provident fund to cover major repairs, renovations, and urban renewal projects, enriching the support for housing consumption [10] Group 3: Inclusion of Flexible Employment Groups - The inclusion of flexible employment groups in the provident fund system is a key focus of the reform, with pilot programs initiated in cities like Shenzhen [12] - A tailored policy framework has been developed to accommodate the unique characteristics of flexible employment, allowing over a million individuals to participate in the system [14] - The reforms have enabled individuals like a former employee turned flexible worker to access provident fund loans, enhancing the system's inclusivity [14] Group 4: Cross-Regional Coordination - The reform emphasizes the importance of cross-regional collaboration for the "inter-city withdrawal and loan" of the housing provident fund, addressing inconsistencies in policy and technical standards across regions [16] - Efforts to streamline processes and enhance data sharing have led to improved efficiency in handling cross-province transactions, allowing for quicker and more accessible services [18][20] - The establishment of collaborative mechanisms among cities has facilitated a "one-stop" service for provident fund withdrawals and loans, reducing the burden on citizens [20]