Now, everyone does not buy a house, and the provident fund is lying on the account, which seriously affects the efficiency of funds. In addition, the provident fund in the system is almost exceeding the local disposable income, which is a huge injustice.
In my opinion, the provident fund should be abolished, from the very beginning, the provident fund did not play the role it should have, so many years, it has been so!
The necessity and in-depth thinking of the reform of the provident fund system
In today's increasingly complex and volatile socio-economic environment, the existence and reform of the provident fund system, as an important social security system, have attracted much attention. At present, the discussion on the provident fund system in the society is becoming more and more intense, and there are many calls for "abolishing the provident fund". Behind this view, it reflects a deep reflection on the efficiency and fairness of the provident fund system.
The original intention of the provident fund system is to provide certain financial support and preferential treatment for home buyers, but in practice, its effect is not satisfactory. With the changes in the real estate market, more and more people choose not to buy a house or delay buying a house, resulting in the precipitation of provident fund funds in the account, and the capital efficiency is greatly reduced. This not only wastes social resources, but also fails to play the role of the provident fund.
What is more serious is that there are huge inequalities in the provident fund system both inside and outside the system. Due to the relatively high wages and benefits of employees in the system, their provident fund contributions tend to be higher, even exceeding the local disposable income. This phenomenon of "high deposit and low use" has not only exacerbated social injustice, but also aroused widespread dissatisfaction and questioning.
However, the abolition of CPF is not a simple matter that can be achieved overnight. As a complex social security system, the reform of the provident fund system needs to take into account many factors, such as the source of funds, the use of funds, and the regulatory mechanism. At the same time, the provident fund system is also an important social welfare policy, which is of great significance for protecting the housing rights and interests of employees and promoting the healthy development of the real estate market.
Therefore, when discussing the reform of the provident fund system, we need to think deeply from multiple perspectives. First of all, we need to re-examine the positioning and objectives of the provident fund system, and clarify its role and status in the social security system. Secondly, we need to comprehensively sort out and reform the funding sources, use of funds, and regulatory mechanisms of the provident fund system to improve its efficiency and fairness. Finally, we also need to strengthen the publicity and education of the provident fund system, improve the public's awareness and understanding of the provident fund system, and promote the healthy development of the provident fund system.
In short, the reform of the provident fund system is imperative. We need to make it better serve the development of the broad masses of workers and society through in-depth thinking and comprehensive reform. At the same time, we also need to maintain an open and inclusive attitude, respect different opinions and voices, and jointly promote the healthy development of the provident fund system.