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People's Republic of China - Strategic reorientation of the Housing Provident Fund System in the People's Republic of China (Inglês)

The objective of this report is to respond to the request of the Ministry of Housing and Urban-Rural Development (MOHURD), to assess the Housing Provident Fund (HPF) system, and provide recommendations on its positioning, strategy and future role in the overall housing policy. The report focuses on a strategic review of the HPF system and its strategy, mission, and operational structure, and then analyses the market in which the individual HPFs operate. It provides recommendations on the realignment of the HPF system in view of the changed market conditions. The recommendations encompass the overall policy goal of the HPF system, including regulation and supervision, modifications to the current products offered by the HPFs, and improvements in the operational structure (e.g. organizational set-up, technical capabilities of management and staff, liquidity and risk management). The report concludes by citing international experiences with housing provident systems/credit linked savings systems in order to highlight useful links with the Chinese HPF system.

Detalhes

  • Autor

    Taffin, Claude Friedemann, Roy Kyung-Hwan, Kim

  • Data do documento

    2011/07/01

  • TIpo de documento

    Note sobre Políticas

  • No. do relatório

    70179

  • Nº do volume

    1

  • Total Volume(s)

    1

  • País

    China,

  • Região

    Leste Asiático e Pacífico,

  • Data de divulgação

    2012/06/26

  • Disclosure Status

    Disclosed

  • Nome do documento

    People's Republic of China - Strategic reorientation of the Housing Provident Fund System in the People's Republic of China

  • Palavras-chave

    Housing;mortgage loan;commercial bank;swot analysis;Housing Policy;housing finance;organizational structure;benefit to consumer;commercial loan rate;payment to income ratio;Financial Management and Accounting;loan to value ratio;housing loan;performance evaluation system;misuse of fund;housing affordability;maximum loan amount;interest rate risk;cost of fund;effective regulatory framework;regulation and supervision;corporate governance;housing supply;commodity program;income household;market price;housing program;real estate tax;revenue from land;adequate enforcement power;housing finance system;income from land;mortgage interest rate;financial sector specialist;access to loan;internal control environment;base interest rate;higher interest rate;access to fund;affordable housing program;local government budget;low income group;housing policy framework;economies of scale;return on saving;cost of credit;management of liquidity;allocation of fund;balance sheet structure;value added tax;availability of land;real estate financing;housing condition;contribution rate;mortgage lending;low-rent house;mandatory contribution;financial risk;liquidity risk;lending volume;mortgage lender;

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