alert!Black intermediary again, beware of your provident fund

"Acting extraction, one -stop service", "fast to account, no risk, after payment" ... Recently, the black agency of the withdrawal of housing provident fund began to show up again.

Since this year, in order to support reasonable demand for housing, the provident fund policy is adjusted densely, and the policy support is appropriately relaxed, including increasing the amount of provident fund loans, reducing the minimum down payment ratio, and existing time of withdrawal time. At the same time, some black agencies also smelled "business opportunities" from it. By taking advantage of helping individuals forgery information, high handling fees were charged for withdrawal of housing provident funds, and even developed into a black industry chain.

The hidden risk of provident fund is extracted through the black agency. Forgery of the provident fund for falsifying materials will affect the credit level of personal public funds, and also cause personal information leakage. Personal funds and accounts are facing the risk of being stolen. The intermediary is suspected of illegal operation and may constitute forgery, altering, public documents, documents, seals, etc. of trading and selling state organs. For illegal withdrawal of provident funds, some places have made clear punishment regulations. For example, Beijing's employees who withdrawn the housing provident fund will immediately freeze the account, order the total amount of illegal withdrawal, and record the personal information in the non -performing information library.

Driven by interests, black agencies are pervasive and incompatible, and online platforms such as friends circles and WeChat groups release paid housing provident fund intermediary service information to seduce the depositors who meet the normal extraction conditions but do not understand the relevant policies to handle the extraction business, and even lies that they can say that they can Simplify the process and quickly extract, these are all scams.

In this regard, while relevant departments, while preventing risks and vulnerabilities, the relevant departments provide false materials and fictional conditions to assist applicants to extract intermediary agencies and individuals who make benefits in violation of regulations. They are suspected of violating the law and given severe blows. Punishment is given to restrict the withdrawal of housing provident fund withdrawal and loan application.

The emergence of illegal withdrawal of housing provident funds, although there are reasons for black agencies, also need to reflect on the problems exposed. For example, the provident fund withdrawal process should be further simplified, and the usage rate needs to be further improved. Data show that as of the end of 2020, the total withdrawal of housing provident funds in my country exceeded 1.2 trillion yuan, accounting for 62.7%of the cumulative total deposit. It is not difficult to see through data that there is still much room for improvement in provident fund withdrawal.

Since the epidemic of new coronary pneumonia, offline activities have been limited. It is not as convenient to withdraw the provident fund in some places. The number of hotline for individual cities has a large number of hotline consultations and fewer tiers. In this case, it is necessary to simplify the processing process, comprehensively implement the application and processing of provident fund lines, further compress the processing cycle, and benefit the people to the greatest extent.

In recent years, there have been some active exploration and attempts in many places. For example, some cities have promoted the continuation of provident fund transfer, mutual recognition and mutual loan, and improvement of improvement housing demand for decoration and old communities. More employees enjoy the dividend of the provident fund, and the space for illegal withdrawal of black agencies is constantly being compressed.

At present, the number of housing provident funds in my country exceeds 150 million people. If you want to better support the basic living needs of the people, you need to further optimize the relevant system of use and management, refine measures, continuously reduce the use threshold, strengthen credit risk prevention and control, and ensure that ensuring The provident fund operation is safe and efficient.

Source: Economic Daily (Reporter Guo Cunju), the original title "Deception of Provident Fund"

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