As the embodiment of the citizens' right of residence and part of the housing security system, since was established in 1998, the national all levels of the public accumulation fund for housing construction funds up to 2 trillion, for the agglomeration of housing funds, improve the living condition of citizens not to speak of the role of. Gucci Replica Belt as a system design, system of housing accumulation fund operation ten years in our country, the system of congenital deformity of hidden defects. According to the current architecture, implementation of housing accumulation fund of housing accumulation fund management committee decision, housing accumulation fund management center, bank of 21st century, the financial supervision mode, seems to be perfect, but in fact he couldn't help real scrutiny and trial and error: first, the housing accumulation fund management committee itself is a structure of nothingness. In accordance with the regulations on the administration of the public accumulation fund for housing construction, housing accumulation fund management committee as the decision-making body, its members as follows:
the head of the people's government, finance, and construction and relevant experts, head of the departments of the people's bank of accounts for a third, representatives of trade unions and workers' representatives of a third, fake gucci belt unit of accounting for a third. That is to say, all the members of his take part-time, whatever, 1 what decisions of science. Second, the housing accumulation fund management center in my body is unknown. In accordance with the regulations on the administration of the public accumulation fund for housing construction, housing accumulation fund management center is directly under the municipal people's government of not for-profit independent business unit.
But most of the business entity in the real operation, based on the local finance department in is affiliated financial management. But its in the whole system of housing accumulation fund system in a core position, responsible for the collection, use and management of housing accumulation fund, housing accumulation fund loan risk alone.
But if we are careful analysis, found that such a risk is a central 3 without the unit: no capital, no risk bearing ability, is not an independent financial institutions, its whether loans, or put in the Treasury, are not your own money. In the absence of supervision, the system of housing accumulation fund management center to become a design on the taboo of institutions: power is very big, huge funds, but very small, its assets to bear any risk.
At the same time, as part of the restriction mechanism: the bank of 21st century, under the condition of the Banks want housing accumulation fund management center, more become a virtual line. Third, the public accumulation fund for housing construction of single investment channel, according to the regulations, can only put in the Treasury and issuing of housing accumulation fund loans.