Guangzhou Provident Fund Management Center: Provident Fund can not be withdrawn according to the staff will

600 million loans per month need "laurels" new system to speed up the approval speed of 5 working days to Zhaoyanhua, Chen Xiaodan about the Provident Fund of the matter recently more Misty asked: Guangzhou City Provident Fund Center is a shortage of funds, so Provident Fund to stay for six months to pay deposits "bottom"? Provident Fund Management Centre: "Not at the moment, but in the long run."　　Q: Whose money is the Provident Fund? Provident Fund Management Center: "Yes, money is all employees, but not in accordance with the will of the staff to conduct dental caries," reporter Zhaoyanhua, intern Chen Xiaodan Report: Yesterday morning, Guangzhou Housing Provident Fund Management Center to meet the mainstream media to respond to the Housing Provident Fund Management of the new scheme, the new system matters,　　Municipal Provident Fund Management Center director Xia Weibing still with official documents not issued as the basis, not to the relevant issues, but the clue has been exposed, the insider gradually.　　What is the reason for reserving six months ' deposit?　　It is reported that the current Guangzhou Provident Fund loan rate is unprecedented, the average monthly collection of 1.65 billion yuan, the amount of 1.24 billion yuan, the remaining 410 million yuan is obviously not enough to support the monthly need to lend nearly 1 billion yuan, can only be filled from the previous balance. The summer guard said the Guangzhou Municipal Provident Fund had a very loose draw, starting last year to enlarge the amount of the loan: the total amount of two people can withdraw from 500,000 to 800,000. Provident Fund concessions in the spread of the obvious, in 2008, Provident Fund loans and bank loans there are 2.6-2.7% spreads, that is, in the last more than 20 billion of the loans, 180,000 to 190,000 people paid less than 500 million of the interest, which is real, Provident Fund is used to benefit the people. Last year, the amount of loans issued in Guangzhou, more than 7.58 billion last year, is expected to reach 9.01 trillion this year, has been a bit nervous. "But as more and more people apply for a provident fund, and on the basis of raising the loan line, is our balance sufficient enough to make up for the growing demand for loans?" According to the present, the monthly loan is close to 1 billion, so that is to make a monthly balance from the original 600 million or so to make up the difference, "the end of last year to collect 45 billion, used for loans 200多个亿, used to invest in government bonds 50多个亿, statistics, Surplus 100多个亿 balances are used for other projects. "So how long can the 100多个亿 of this balance be?" Is it not that the growing lending has put higher demands on the amount of balance?　　Is there a tense situation with the fund? The summer guard says it's not stressful at the moment, but there are problems in the long run. "So there is a problem, whether it is necessary to set aside half a year of deposits ' bottom ' to solve?" "The summer Guard said:" Because there is no document issued, this statement is not evaluated. He further said: "After the new system on line, the loan line this year will increase than last year, there will be a greater growth next year." "Why does the new system promote the growth of loan lines?"　　Is it related to precipitation 100多个亿? PublicQuestion: Although the centre does not give a positive assessment of the funding constraints, it is not hard to see from the clues that this group of data is being hotly debated as "reserving six months ' deposits". The public has to question whether the money is scarce simply because of rising lending growth.　　Do you have to "set aside six months to solve"?　　Why not hold a hearing? For the media to question "Provident Fund is the private property of the Public, Provident Fund Center is only entrusted to the management body." "Guangzhou Provident Fund Center legal Advisor Wang Hui to correct," that the two are the client and the relationship between the client has no legal basis. For the client and the trustee, the law is such a stipulation, the legal liability and risk is borne by the principal, and in accordance with the National Provident Fund Ordinance, the risk of the Provident Fund is borne by the State, so the use of provident funds should be in accordance with the provisions of national law, rather than the personal will of "Yes, the money is for the workers, but can not according to the staff's will carry on the dental caries" The center's legal adviser said, "Provident Fund related regulations make clear that the Provident Fund is all employees, but there are clear legal provisions, Provident Fund has three characteristics, that is, compulsory, mandatory and special properties, if the unit department refuses to pay Housing provident Fund Then the state will be forced to carry out the caries "then the new plan for Housing Provident Fund to repair why not hold a hearing?" Xia guards said that the CMC's organization is "three One-third": Government banks accounted for one-third, units accounted for one-third, staff representatives accounted for One-third. This is a result of the formation of the legislative system, the operation of the Provident Fund is in the legal system and normative documents on the basis of operation.　　The meaning, because has the legal basis, because has "three One-third", the CMC decision-making has already fully manifested the democracy, already fully manifests the populace's will, therefore has not opened the hearing the necessity. The center said that "Provident Fund in Essence is the state to give the benefit of the sacrifice of a part of the tax, the original intention is the state to sell some of the benefits, individual employees get certain advantages, individuals can buy housing, to solve their own housing problems." In addition, to solve the difficulties of the urban poor families, for the construction of Low-cost Housing, Provident Fund is a security system, is essentially taken from the people, with the people. Among all the housing Provident Fund payers, the loan people accounted for only about 10%, while the others accounted for more than 80% of the people are not loans, this part of the loan is actually only a small number of people, we do not understand why those who have the benefit of the people have to have comments there, has been the benefits, Why can't you make a sacrifice? In essence, the system of Provident Fund should embody a kind of mutual assistance. Members of the public question: what is the logic of such a statement? Does the person who gets the benefit have no right or duty to question the unreasonable reasonableness of the regulation? Is it that our policy does not need to speak for a minority of people? Does the user have no say?　　Where does the right to accountability be reflected? What is the bank notice?Meaning？ The summer guards responded to a previous bank posting, saying: "There is no inevitable link between the introduction of the new system and the new policy, and there is a certain procedure for the new policy." As for the previous training of banks, in the hypothetical case, to facilitate everyone familiar with how to operate the new system is not the same as the original operating system of the bank, so be familiar with training. "When the new system is online, the change of the Public Provident Fund, the summer Guard said:" The new system after the only change is that the original banking system, and later is the bank in our own system based on the operation, not directly in the Bank of the new policy will be formally announced by the CMC in the form of a meeting, will be conducted in strict accordance with legal procedures. The specific situation is that the public may be affected in the short term and the banks will need a one or two-day data switching time, which may cause inconvenience to the public during this period of time. "The difference between the two systems is:" After the new system on the line, the Public Provident Fund business for the first time to bring all the information, so that data entry, the second time no need to bring over. However, periodic or occasional reviews will be conducted, as there may be some transfer of property rights, which should be reviewed. "The new system speeds up the approval process and reduces the amount of time spent in approving this process," the Xia guards said. It also depends on the proficiency of the system, which was used by the bank for 30 working days, and is estimated to be 5 working days after the new system has been adopted. "Xia guards said that the Guangzhou Provident Fund policy is very loose, and even is too lenient, Guangzhou City later amended regulations and the original policy will be different, this amendment also accept the National Audit Office, Guangzhou Municipal Audit Bureau, People's Bank and the Ministry of Construction supervision, they raised our policy on the existing problems, We've been trimming it.　　It should be said that now is a full stage of gestation, we can fully express their views, the bank posted notice is illegal, but all to the CMC published materials. The public question: The bank's announcement has been posted, why is it denied? This "will be based on the assumption of the bank training," said the trend is evident.　　Is the evasive of the Provident Fund Management Centre in view of the pressure of the media and the masses? RELATED LINKS remote extraction only one more proof program the summer guards to the off-site purchase question response is: "The off-site purchase, only needs the local government to provide the proof, our side also will issue the proof, in the middle is only one more proof procedure." "The public has encountered the threshold at the time of processing, can lodge a complaint to the centre, the centre will immediately notify the rectification." Complaint Tel: 020-83992049.