In the past decade, though housing provident fund system contribute a lot, it still remain some problems such as inadequate justice of the current system.

• 十多年来,住房公积金制度为我国住房改革做出了颇多贡献,但也存在不足,主要是该制度的设计对社会保障责任引起的公平性问题未给予足够重视。