试析住房公积金贷款的管理风险及其对策

百姓住房问题已成为一个严重的社会问题，影响和制约着我国和谐社会的建设和发展。在这种情况下，国家建立的住房公积金制度，成为解决职工住房问题的一个主要手段，但我国的住房管理制度还很不完善，存在着多种风险，通过强化资金管理中心的主导地位，建立贷款风险监管体系，制定相关配套政策和还款措施，提高业务人员素质，规避各种潜在风险。

Analysis on the Risks of Housing Provident Fund Management and the Countermeasures

people＇s housing has become a serious social problem, influencing and restricting the building and development of harmonious society. In this case, the housing provident fund system built by our country has become a main means to solve the housing problem of workers, but our hous- ing management system is far from perfect, and there are a variety of risks. By strengthening the dominant position of financial management center, establishing credit risk monitoring system, setting up related policies and repayment measures and improving the quality of business personnel, we can avoid all potential risks.