The problems of housing provident fund system, are mainly embodied in the fairness, mutuality and prevalence in addition to the management system. The three problems are rooted in the design of the tools which have no prevalence essence, and don＇t promote the coordination between the financial function and the security function. This paper argues that reform program should insist on such some principles as the compulsorily mutuality and the endogenous coordination between prevalence and preference, and should be deepened and improved through the designs of limi...
