尉犁| 韶山| 武安| 红安| 普兰店| 姜堰| 新郑| 枣庄| 承德县| 通许| 达县| 汉川| 三江| 瑞丽| 清水| 奈曼旗| 右玉| 太仆寺旗| 新密| 茄子河| 罗田| 东莞| 台州| 哈密| 梓潼| 顺义| 阿城| 化德| 陇西| 林周| 台东| 盐源| 崇仁| 大连| 宜兴| 盈江| 双桥| 嵩县| 清水河| 新巴尔虎左旗| 巴马| 仁怀| 林甸| 札达| 浦北| 灵武| 淄川| 巫溪| 蓬溪| 澄江| 松原| 大竹| 夹江| 蓬溪| 邛崃| 通化县| 奈曼旗| 大埔| 长岭| 达坂城| 彭水| 蛟河| 和顺| 周口| 上高| 临江| 得荣| 正安| 泉州| 桦甸| 兴宁| 光泽| 玛多| 城口| 萝北| 三明| 敖汉旗| 蓝山| 孙吴| 渭南| 岳阳县| 梨树| 华山| 红安| 富拉尔基| 潘集| 上蔡| 平邑| 尖扎| 儋州| 太和| 胶南| 织金| 罗江| 原阳| 九寨沟| 峨山| 平鲁| 永靖| 靖边| 松阳| 乐清| 宝兴| 大方| 岢岚| 佳县| 绍兴县| 渭源| 屯留| 蒲江| 黄平| 凤城| 费县| 禹城| 内黄| 广南| 洋山港| 宿豫| 澄江| 宁强| 宝山| 那曲| 西充| 长治市| 石林| 镇巴| 肥西| 九江市| 双鸭山| 丰城| 潮南| 潮州| 鄂州| 河池| 东山| 成都| 寻乌| 青冈| 旌德| 中阳| 栾川| 灞桥| 南部| 安达| 江都| 通许| 阿克塞| 杞县| 云溪| 鄂温克族自治旗| 达拉特旗| 遂昌| 乌马河| 辰溪| 丹巴| 富拉尔基| 句容| 连山| 鄂尔多斯| 和静| 称多| 绍兴县| 林口| 海原| 姚安| 玛沁| 公主岭| 永靖| 金秀| 新疆| 高邑| 简阳| 渠县| 兴宁| 怀来| 芦山| 屏边| 微山| 阳江| 维西| 遂平| 龙泉驿| 屏东| 六安| 道真| 乌兰| 林州| 正蓝旗| 岐山| 甘棠镇| 新余| 江川| 上虞| 澄城| 盘县| 荥阳| 鄂伦春自治旗| 通城| 包头| 福建| 江华| 泾川| 广灵| 峨眉山| 垦利| 吉木萨尔| 剑河| 高台| 阿鲁科尔沁旗| 临泽| 代县| 彭州| 东丽| 天门| 鹤峰| 石棉| 勐海| 榆中| 洪江| 平利| 四平| 云梦| 浑源| 高邮| 鄂温克族自治旗| 玉屏| 德清| 扶绥| 二道江| 哈密| 蒙自| 六合| 高雄市| 承德县| 中宁| 太谷| 达拉特旗| 册亨| 建阳| 平谷| 元江| 冷水江| 正阳| 滴道| 六安| 清徐| 下花园| 高州| 柳江| 卫辉| 神农架林区| 榆林| 新疆| 大石桥| 措勤| 翼城| 嵩县| 太湖| 彬县| 朝阳市| 云龙| 萨迦| 瓯海|

段春华当选天津市人大常委会主任 张国清当选天津市市长

2019-09-21 08:37 来源:有问必答网

  段春华当选天津市人大常委会主任 张国清当选天津市市长

    二是借款人出现了“年轻化”和“无信用纪录”等特征。  四是新型消费场景下产生的小微贷款比较普遍,如游戏贷、消费贷、培训贷等在年轻人中比较流行。

AteacherteachesstudentsbasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)AteacherteachesstudentsbasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)StudentspracticebasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)StudentspracticebasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)AteacherteachesstudentsbasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)Thislow-angleself-portraitofNASAsCuriosityMarsrovershowsthevehicleatthesitefromwhichitreacheddowntodrillintoarocktargetcalled"Buckskin"onlowerMountSharp.(Photo/Agencies)NASA’sCuriosityroverhasfoundnewevidencepreservedinrocksonMarsthatsuggeststheplanetcouldhavesupportedancientlife,aswellasnewevidenceintheMart,thesefindingsareagoodsignforfuturemissionsexploringtheplanet’“tough”organicmoleculesinthree-billion-year-oldsedimentaryrocksnearthesurface,aswellasseasonalvariationsinthelevelsofm,andalsomayincludeoxygen,,organicmoleculesalsocanbecreatedbynon-biologicalprocessesandarenotnecessarilyindicatorsoflife.“Withthesenewfindings,Marsistellingustostaythecourseandkeepsearchingforevidenceoflife,”saidThomasZurbuchen,associateadministratorfortheScienceMissionDirectorateatNASAHeadquarters,inWashington.“I’mconfidentthatourongoingandplannedmissionswillunlockevenmorebreathtakingdiscoveriesontheRedPlanet.”Thisself-portraitofNASAsCuriosityMarsroverobtainedFebruary4,2018showsthevehicleonVeraRubinRidge,whichitsbeeninvestigatingforthepastseveralmonths,directlybehindtheroveristhestartofaclaywherenorthisontheleftandwestisontheright,withGaleCratersrimonthehorizonofbothedges.-’sCuriosityroverhasfoundnewevidencepreservedinrocksonMarsthatsuggeststheplanetcouldhavesupportedancientlife,aswellasnewevidenceintheMart,thesefindingsareagoodsignforfuturemissionsexploringtheplanet’“tough”organicmoleculesinthree-billion-year-oldsedimentaryrocksnearthesurface,aswellasseasonalvariationsinthelevelsofm,andalsomayincludeoxygen,,organicmoleculesalsocanbecreatedbynon-biologicalprocessesandarenotnecessarilyindicatorsoflife.“Withthesenewfindings,Marsistellingustostaythecourseandkeepsearchingforevidenceoflife,”saidThomasZurbuchen,associateadministratorfortheScienceMissionDirectorateatNASAHeadquarters,inWashington.“I’mconfidentthatourongoingandplannedmissionswillunlockevenmorebreathtakingdiscoveriesontheRedPlanet.”

    13日,最高法新闻局、执行局、安徽省高级人民法院联合举办第五期“决胜执行难”全媒体直播活动。Anindependentformationof55femalehonorguardsofthePeoplesLibera,whousedtostandwiththemalehonorguardssincetheirdebutin2014,areappearingasanindependentformationforthefirsttime.(Photo/Xinhua)Anindependentformationof55femalehonorguardsofthePeoplesLibera,whousedtostandwiththemalehonorguardssincetheirdebutin2014,areappearingasanindependentformationforthefirsttime.(Photo/Xinhua)Anindependentformationof55femalehonorguardsofthePeoplesLibera,whousedtostandwiththemalehonorguardssincetheirdebutin2014,areappearingasanindependentformationforthefirsttime.(Photo/Xinhua)Anindependentformationof55femalehonorguardsofthePeoplesLibera,whousedtostandwiththemalehonorguardssincetheirdebutin2014,areappearingasanindependentformationforthefirsttime.(Photo/Xinhua)

  Anindependentformationof55femalehonorguardsofthePeoplesLibera,whousedtostandwiththemalehonorguardssincetheirdebutin2014,areappearingasanindependentformationforthefirsttime.(Photo/Xinhua)Anindependentformationof55femalehonorguardsofthePeoplesLibera,whousedtostandwiththemalehonorguardssincetheirdebutin2014,areappearingasanindependentformationforthefirsttime.(Photo/Xinhua)Anindependentformationof55femalehonorguardsofthePeoplesLibera,whousedtostandwiththemalehonorguardssincetheirdebutin2014,areappearingasanindependentformationforthefirsttime.(Photo/Xinhua)Anindependentformationof55femalehonorguardsofthePeoplesLibera,whousedtostandwiththemalehonorguardssincetheirdebutin2014,areappearingasanindependentformationforthefirsttime.(Photo/Xinhua)TeachersencourageexamineesatanexamvenueinGuiyang,capitalofsouthwestChinasGuizhouProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/TaoLiang)ExamineeswaittoenteranexamvenueatLhasaMiddleSchoolinLhasa,capitalofsouthwestChinasTibetAutonomousRegion,June7,mination,whichtakesplacefromJune7to8.(Xinhua/LiuDongjun)AteacherdistributesIDcardsandstationerytoexamineesatanexamvenueinChengdu,capitalofsouthwestChinasSichuanProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/JiangHongjing),capitalofeastChinasAnhuiProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ZhangDuan)AstaffmemberchecksthecredentialsofexamineesatanexamvenueinBeijing,capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/LuoXiaoguang)AnexamineeclapshandswithherteacherbeforeenteringanexamvenueinXian,capitalofnorthwestChinasShaanxiProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ZhangBowen)ExamineesenteranexamvenueatHainanMiddleSchoolinHaikou,capitalofsouthChinasHainanProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/GuoCheng)AstudentencouragesexamineesatanexamvenueinBeijing,capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ShenBohan),capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ShenBohan)

ChenZhe,aresearcherwiththeNanjingInstituteofGeologyandPaleontologyattheChineseAcademyofSciences,showstheearliestknownfootprintsleftbyananimalonearth,whichdatebackatleast541millionyears,inNanjing,JiangsuProvince,June7,StatesfoundthetracksintheThreeGorgesareaandpublishedtheirreportintheUSjournalScienceAdvances.(Photo:ChinaNewsService/YangBo)ChenZhe,aresearcherwiththeNanjingInstituteofGeologyandPaleontologyattheChineseAcademyofSciences,showstheearliestknownfootprintsleftbyananimalonearth,whichdatebackatleast541millionyears,inNanjing,JiangsuProvince,June7,StatesfoundthetracksintheThreeGorgesareaandpublishedtheirreportintheUSjournalScienceAdvances.(Photo:ChinaNewsService/YangBo)ChenZhe,aresearcherwiththeNanjingInstituteofGeologyandPaleontologyattheChineseAcademyofSciences,showstheearliestknownfootprintsleftbyananimalonearth,whichdatebackatleast541millionyears,inNanjing,JiangsuProvince,June7,StatesfoundthetracksintheThreeGorgesareaandpublishedtheirreportintheUSjournalScienceAdvances.(Photo:ChinaNewsService/YangBo)ChenZhe,aresearcherwiththeNanjingInstituteofGeologyandPaleontologyattheChineseAcademyofSciences,showstheearliestknownfootprintsleftbyananimalonearth,whichdatebackatleast541millionyears,inNanjing,JiangsuProvince,June7,StatesfoundthetracksintheThreeGorgesareaandpublishedtheirreportintheUSjournalScienceAdvances.(Photo:ChinaNewsService/YangBo)

  AlightsandfireworksshowtakesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/JiangKehong)AlightsandfireworksshowtakesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/JiangKehong)AlightsandfireworksshowtakesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/JiangKehong)AlightsandfireworksshowtakesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/JiangKehong)AlightsandfireworksshowtakesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/LiXueren)AlightsandfireworksshowtakesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/LiZiheng)Alightsandfireworksshowwiththethemeof"AWarmWelcometoFriendsfromAfar"takesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/XieHuanchi)Alightsandfireworksshowwiththethemeof"AWarmWelcometoFriendsfromAfar"takesplaceinQingdao,thehostcityofthe18thShanghaiCooperationOrganization(SCO)summit,ineastChinasShandongProvince,June9,2018.(Xinhua/XieHuanchi)

  TeachersencourageexamineesatanexamvenueinGuiyang,capitalofsouthwestChinasGuizhouProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/TaoLiang)ExamineeswaittoenteranexamvenueatLhasaMiddleSchoolinLhasa,capitalofsouthwestChinasTibetAutonomousRegion,June7,mination,whichtakesplacefromJune7to8.(Xinhua/LiuDongjun)AteacherdistributesIDcardsandstationerytoexamineesatanexamvenueinChengdu,capitalofsouthwestChinasSichuanProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/JiangHongjing),capitalofeastChinasAnhuiProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ZhangDuan)AstaffmemberchecksthecredentialsofexamineesatanexamvenueinBeijing,capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/LuoXiaoguang)AnexamineeclapshandswithherteacherbeforeenteringanexamvenueinXian,capitalofnorthwestChinasShaanxiProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ZhangBowen)ExamineesenteranexamvenueatHainanMiddleSchoolinHaikou,capitalofsouthChinasHainanProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/GuoCheng)AstudentencouragesexamineesatanexamvenueinBeijing,capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ShenBohan),capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ShenBohan),sExperimentalAdvancedSuperconductingTokamak(EAST),dubbed"artificialsun,"becametheworldsfirsttokamakdevicetoachievethe100-second-level,HefeiInstitut,theEASTteaminHefei,capitalofAnhuiProvince,createdarecordbyachievingssteady-stateH-modeoperationhasprovidedimportantexperimentalsupportfortheoperationofInternationalThermonuclearExperimentalReactor(ITER),slargesttokamak,amagneticfusiondevicedesignedtoprovethefeasibilityoffusionasalarge-scaleandcarbon-freesourceofenergybasedonthesameprinciplethatpowerstheSunandthestars.  

  AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)AerialphototakenonJune9,2018showsawetlandintheKubuqiDesertofOrdosCity,northChina(Xinhua/PengYuan)

  在充分准备的基础上,决定自6月18日起,在全国所有陆海空口岸实现中国公民出入境通关排队不超过30分钟的新目标,切实解决大型口岸出入境高峰期中国公民排队等候时间长的“烦心事”。English-LanguageNewsWebEditorRequirements::Aminimumofabachelor’sdegreeatanaccreditedcollegeoruniversitywithamajorinjournalism,English,economics,internationalpolitics,,:Haveathoroughunderstandingandappreciationfortheroleofjournalismandaccurate,ftWord,AdobePhotoshop,Dreamweaver,:Previousjoborinternshipexperienceinan:Responsibleforconductingnewsinterviews,andcompiling,editingandrevisingnewsmanuscriptsfromothersourcesforwebsitenews,dupdates,andproducingspecialnewspackages,aswellasothe,:’sdegreeatanaccreditedcollegeoruniversitywithamajorinjournalism,English,economics,internationalpolitics,andaccurate,,:-Thejobisfull-time.-rewritingandcopy-editingstorieswrittenbystaffandfromothermediaresources;-writingoredittingheadlines,readingprovesandcontributingideasinstoryselectionandlayoutandsoon;-helpingproductionanddevelopmentofothereditorialmaterials,whichincludewritingstories,columns,reviewsandrecordings

  Special:ChinesePresidentXiJinpingandhisIraniancounterpartHassanRouhanhShanghaiCooperationOrganization(SCO)summitinthecoastalcityofQingdao,ineastChinavestrategicpartnershipduringhisstatevisittoIranin2016,Xisaidthetwocountriessincethenhaveincreasedcooperationandfnandwitnessedincreasinglycloserpeople-to-peopleexchanges,,XisaidChinaisreadytoworkwithIrantojointlypromotesteaerarchingprincipletocontinuouslyenhancestrategicmutualtrust,increaseexchangesatalllevels,andcontinuetounderstandandsupporteachotRoadInitiative,promotelawenforcementandsecuritycooperationcenteringoncounter-terrorism,anddeepenpeople-to-peopleexchangesandcooperationwiththeaimtoenhanceChina-Iranfriendship,sm,XisaidthedealisconducivetosafeguardingpeaceandstabilityintheMiddleEastandtheinternationalnon-proliferationregime,utesandhotspotissues,andisreadytostrengthencooperationwithIranundermultilateralframeworksandpromotethebuildingofanewtypeofinternationalrelations,svisittoIrantwoyearsagosignificantlyelevatedthebilateralrelations,saidRouhani,addingthatIranfeelshappyaboutthesma,andwellimplementcooperationagreementsonjointlybuildingtheBeltandRoad,,andIranexpectstheinternationalcommunityincludingChinatoplayapositiveroleinproperlydealingwithrelevantissues,,XiandRouhaniwitnessedthesigningofbilateralcooperationagreements.

  资料图:耿爽。

  AteacherteachesstudentsbasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)AteacherteachesstudentsbasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)StudentspracticebasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)StudentspracticebasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)AteacherteachesstudentsbasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)Special:ChinesePresidentXiJinpingchairedtheShanghaiCooperationOrganization(SCO)annualsummitSunday,aimingtobringthegrouptoashinasportcityofQingdaomarkedthefirstgatheringofleadersofallitseightmembetionsataroundtablemeeting,Xihailedthe17-year-oldorganizationas"anewmodelforregionalcooperation"security,tradefacilitationandpeople-to-peopleexchanges,sendingoutasignalofunityandcollaboration,againstthebackdropofglobalchallengessuchashegemony,powerpolitics,securitythreats,unilateralismandtradeprotectionism."Weshould,guidedbytheShanghaiSpirit,workcloselytobuildanSCOcommunitywithasharedfuture,movetowardanewtypeofinternationalrelations,andbuildanopen,inclusive,cleanandbeautifulworldthatenjoyslastingpeace,universalsecurityandcommonprosperity,"sstrengthtotheShanghaiSpirit,whichchampionsmutualtrust,mutualbenefit,equality,consultation,sspeechatthesummit."Weshouldupholdinnovative,coordinated,green,openandinclusivedevelopment,"hesaid,,comprehensive,cooperativeandsustainablesecurity."WeshouldrejecttheColdWarmentalityandconfrontationbetweenblocsandopposethepracticesofseekingabsolutesecurityofoneselfattheexpenseofthesecurityofothercountries,"es."Weshouldrejectself-centered,short-sightedandclosed-doorpolicies,"hesaid."Equality,mutuallearning,dialogueandinclusivenessbetweenculturesshouldbechampioned."Healsocalledforextensiveconsultation,,geachotherschoiceofdevelopmentpathsandaccommodatingeachotherscoreinterestsandmajorconcerns,,separatismandextremism,andconducta"PeaceMission."Chinawouldtrain2,000lawenforcementofficersforallpartiesinthenextthreeyearstoenhancelawenforcement,seconomiccomponenthasgrownmoreprominentinrecentyears,andXiproposedincreasingthecomplementarityofdevelopmentstrategiesandpursuingtheBeltandRoadIspackageforcommondevelopmentincludedsettingupa30-billion-yuan(),XisaidChinawouldprovide3,000trainingopportunitiesinhumanresourcesdevelopmentforSCOmemberstatesinton,con,Kazakhstan,Kyrgyzstan,Russia,,Belarus,athisyear,practicing"major-countrydiplomacywithChinesecharacteristics."TheotherthreeeventsaretheBoaoForumforAsiaannualconferenceinApril,theForumonChina-AfricaCooperationsum"anewtypeofinternationalrelations"and"acommunitywithasharedfutureforhumanity"--twoideasXihasexpoundedoverthepastfiveyears.

  

  段春华当选天津市人大常委会主任 张国清当选天津市市长

 
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《住房公积金管理条例》修订工作提上日程 低收入者使用住房公积金或更方便

日前印发的《国务院2017年立法工作计划》把修订《住房公积金管理条例》列入今年全面深化改革的项目,并且确定由住房和城乡建设部完成起草修订。据了解,该条例的修订集中于住房公积金缴存、提取、使用率;增强公积金流动性;促进住房公积金保值增值等层面。

低收入者购房更需公积金

虽然住房公积金贷款属于长期、低利率的政策性住房金融,但公积金贷款要求按期还本付息,在贷款审查过程中对于职工的工资水平有所要求,还要求支付购房首付款。

华夏新供给经济学研究院首席经济学家贾康认为,这使得中高收入者容易申请到低利率的公积金贷款,并且能够从自己的公积金账户中提取资金;低收入者无力购房,无法享受住房公积金的优惠政策,其公积金账户内的资金也因没有购房而无法提取。这就形成了低收入者通过缴纳公积金为中高收入人群购买住房提供“补贴”的扭曲现象

北京市物权法研究会秘书长毕文强认为,住房公积金属于住房保障制度体系的一部分,是缴纳者的长期住房储金。因此,住房公积金管理需要体现出保障性、长期性、普遍性与强制性等特点。

专家建议住房公积金管理中心转型

目前,住房公积金的使用率偏低。据贾康介绍,到2014年年底累计只有18.4%的职工家庭享受了住房公积金贷款,基金使用率只有50%左右。这使住房公积金积累了数量可观的结余资金,据统计,2015年我国住房公积金的沉淀资金为7810.17亿元,占缴存余额的19.2%。

住房公积金管理模式同样是待破的难题。我国住房公积金的管理体制非常分散,不利于形成全国统一的住房公积金运营体系。“目前住房公积金由各个城市管理,并非由中央管理,将来应该考虑由中央统一管理。”北京中房研协技术服务有限公司研究员李战军建议。

贾康建议改革住房公积金制度,将住房公积金管理中心转型为一个主要为低收入人群解决住房问题的政策性住房金融机构。

住房公积金投资渠道或拓宽

在实现转型、提高使用率的同时,住房公积金的保值增值也需要提上日程。按照现行《住房公积金管理条例》,住房公积金的结余资金只能用于购买国债。毕文强认为现行条例缺乏保值增值方面的规定。

李战军表示,目前住房公积金不能进入股市投资,这种现状需要打破。随着对住房公积金管理能力的提升,需要逐步放开住房公积金市场化投资范围,从而实现保值增值。

贾康认为,在住房公积金管理中心转型为政策性住房金融机构之后,应该允许政策性金融机构对公积金的结余资金进行投资运作。结余资金除了存银行、买国债外,在确保安全的前提下,还可用于购买大额存单、地方政府债券、政策性金融债券、住房贷款支持的证券等信用等级高的固定收益类产品。(据《证券日报》)

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