The expert debates fiercely " The housing public accumulation fund sees the doctor " Improve the system of the social insurance and get a permanent cure most

The expert debates fiercely " The housing public accumulation fund sees the doctor " Improve the system of the social insurance and get a permanent cure most
Leaderette
Recently, issue and implement in Guangxi>China stipulates, from 2010, " kinsfolks suffered from great disease " The ones that can handle housing public accumulation fund " Do not sell the family to draw " ,At one time " The housing public accumulation fund sees the doctor " Initiating the various circles of society to discuss warmly, the supporter has, it, object to sound and also rise one after another. Is the housing public accumulation fund used for seeing the doctor and having a positive meaning? What risks may be brought? Is science reasonable that how could common reserve funds are managed? And listen to three experts' view.
The flood wave that Beihang University goes into business: The housing public accumulation fund sees the doctor and reflects people first
Propose, use for, treat and cure policy of serious disease now as to common reserve funds, Beihang University social security Jia HongBo, Deputy Director of research institute of Public Managerial College is think, this kind of method is human-oriented in power the concrete embodiment of the idea, precipitate the fund and has not realized the valid disposition in the housing public accumulation fund, marginal value its low hastening, bordering on zero even raising the service efficiency of the housing public accumulation fund under the negative situation, help to improve the marginal utility value which precipitates the fund.
Jia HongBo points out, it is a kind of exploration which raises the service efficiency of the common reserve funds to open up new using the route in Guangxi, but must control using the route in the field of ensuring, such as living out one's life in retirement, low insurance,etc., if has been used in the not ensuring field, then deviate from the original intention set up of the housing public accumulation fund seriously, also increased the risk.
Jia HongBo thinks, there are two kinds of trends in the management of the common reserve funds in the future: First, operate independently, does not streamline with other projects, then will raise one's own efficiency of management and service efficiency soon; Streamline with other the intersection of social security and use of funds, because of our country housing public accumulation fund and some other the intersection of social security and project give, belong to different department, manage at present, different operation systems exist, streamlining the demarcation lines of housing public accumulation fund and other social security fund can be studied and explored, but because of not forming a complete set of present relevant system, this exploration will be a course step by step progressively. On this, the risk is having, the key lies in managing.
Peking University takes care of Xin: The housing public accumulation fund is used for seeing the doctor inadvisably
As to the thing that the housing public accumulation fund can be used in the method of seeing the doctor, professor of government of Peking University management college Gu Xin says, housing public accumulation fund if permitted " Free to arrange " ,Then has lost it as original value of fund of social security, it is unsuitable to popularize this kind of method in the institutional environment instantly.
Gu Xin thinks, our country's present housing public accumulation fund system has a lot of long-standing abuses, fair problem, managerial effective problem of science such as system design. The discussion " drew the common reserve funds and cured the disease " Method,at first must if you can't clear whether whether it is on common reserve funds, used foring, what make: The housing public accumulation fund is originally used for meeting housing need, but extremely stress in the housing problem, become important the intersection of people's livelihood and difficult problem instantly already, but housing public accumulation fund has been left unused in a large amount, the flower does not go out. But if use briefly " Allow to draw the common reserve funds and cure great disease " Deal with the common reserve funds and leave the question unused, the long-standing abuse of common reserve funds may be being covered, covered up virtually, even can be extended in people's neglect.
Gu Xin takes Singapore as examples to point out, in Singapore, the housing guarantee of the central common reserve funds member was solved through their fund of ordinary account, and the common reserve funds deposit of the ordinary account not merely can used in purchasing the public house, can also be used for advancing retired investment, insurance, education. But meanwhile, the housing public accumulation fund is " free to arrange " Also initiated the question, for example, in Singapore, people can use the common reserve funds to speculate in shares by oneself, but the government speculates in shares to the common reserve funds the risk of emerging is not responsible for. Because there are too much markets of inflow of funds, make the fund within its common reserve funds larger and larger in pressure, this kind of risk is warned to us.
The filial piety is straight in week in the People's University of China: It is the scheme getting a permanent cure to improve the social security system
Sociology professor Zhou Xiao of the People's University of China expresses while giving an interview, the common reserve funds are used for seeing the doctor to have " Rob Peter to pay Paul " Meaning,it is but absolutely inadvisable, " help meet an urgent need poor "s so-called , " buy oil, harvest vinegar " Also the same reason. Accept the lesser of two evils, it is a " scheme " to use the common reserve funds in unusual time and is used for seeing the doctor ,But not just " The best plan " ,In the long run, we should strive for " the best plan " --Improve the management system of the common reserve funds progressively, the more important thing is to set up more complete social security system, let common people afford the room, think highly of the disease too.
Zhou Xiao is thinking, in a sense, some people the reason why heat is being held " the common reserve funds see the doctor " This policy, the reason does not lie in mainly how great its advantage is, how strong feasibility is, but the base is in the realistic choice: See the doctor expenses soar successively, medical insurance solve ordinary person think serious disease problem; Meanwhile, the room rate remains high, the difficult problem that the common reserve funds can not solve ordinary masses and purchase house either. Under weighing, leave with its the common reserve funds letting utilization efficiency be low unused, not so good as getting out to see the doctor. The focus that the public really pays close attention to is not common reserve funds could " Help meet an urgent need " ,It could be more rational and more effective but how to control.
Zhou Xiao is pointing out, the social security system should be all-round, can't resolve contradiction by choosing. The method for seeing the doctor of the common reserve funds that policy systems carries out the result of doing one's best, it is a compromise while facing a difficult choice. And if you want to solve the problem fundamentally, must perfect the medical house security system, let the intersection of people and disease cure to some extent, live in have their. (Li Hui)
|