Xinyang's latest post!All kinds of urban units should pay housing provident fund

[Dahecai Cube News] On July 11, the Office of the People's Government of Xinyang City issued the "Implementation Opinions on Further Expanding the Scope of Benefit of the Housing Provident Fund System", which clearly stated that all kinds of urban units and their working employees (including personnel agent, labor dispatch dispatch Personnel, migrant workers, etc.) shall pay the housing provident fund. Improve the expansion and expansion of urban citizens and voluntary employment personnel.

The units do not apply for housing provident fund deposit registration or do not set up procedures for the establishment of accounts for employees, pay less, and owe housing provident funds, and give administrative penalties or apply for compulsory implementation of the people's court.

Strengthen housing security function. Stop some over -wide non -housing consumption extraction and use business, focusing on supporting employees' first self -occupied housing and secondary improved housing consumption.

According to the use of funds and risk prevention and control, actively and steadily promote the loan business of the housing provident fund portfolio.

Attachment:

The Office of the People's Government of Xinyang City

About the scope of the benefit of the housing provident fund system

Implementation

Xinzheng Office [2022] No. 37

All county and district people's governments, management areas, development zones, and relevant municipal government departments:

In order to further expand the scope of the benefit of the housing provident fund system, safeguard the legitimate rights and interests of employees, and promote the sustainable and healthy development of the city's housing provident fund business, in accordance with the "Regulations on the Management of Housing Provident Fund" (State Council Order No. 350, hereinafter referred to as the "Regulations"), "Henan Province Housing Provident Fund Management The Regulations and relevant laws and regulations and policies, combine the actual situation of our city, put forward the following implementation opinions:

1. Standardize the deposit work and benefit more groups

(1) Clear the scope of deposit. The various types of urban units and their employees (including personnel agency, labor dispatch personnel, migrant workers, etc.) stipulated in the "Regulations" should pay the housing provident fund. Improve the expansion and expansion of urban citizens and voluntary employment personnel.

(2) The classification is promoted in an orderly manner. According to the unit nature of the unit, the following requirements are clear:

1. Within all national organs, institutions, and social groups within this city, they must take the lead in achieving full coverage of units and personnel to pay the housing provident fund for employees (including staff, employment personnel, personnel agent, labor dispatch personnel, etc.). The focus is on community workers, government purchase service staff, police assistants, "three branches and one support" person, special tutor, private school faculty, private hospital medical personnel and other groups.

2. State -owned enterprises shall pay the housing provident fund for all employees and labor dispatch personnel.

3. Actively guide non -public enterprises to establish a housing provident fund system. Listed companies, key enterprises and large -scale and large -scale enterprises should take the lead in establishing a housing provident fund system. For small and medium -sized enterprises with high liquidity and one -time all -employee system, policy guidance must be targeted. It can be established among employees with stable labor relationships. The transition period has gradually achieved full coverage of non -public enterprises.

4. When signing a labor dispatch agreement with the employer, various types of labor dispatch units shall clarify the proportion of housing provident fund costs undertaken by both parties and pay the housing provident fund in time in a timely and time in time.

5. Encourage urban new citizens, flexible employees, etc. (hereinafter collectively referred to as independent depositors) to apply for the establishment of a housing provident fund account in accordance with the principle of voluntary. The independent depositors enjoy the rights of the depositor employees stipulated in the Regulations.

(3) Standardize the deposit standards. The payment base of the housing provident fund should be the average monthly salary of employees in the previous year. In principle, it should be adjusted once a year. At the same time, the deposit base shall not be higher than the average salary of employees in the previous year, and shall not be lower than the minimum wage standard of the previous year. The maximum payment ratio of the housing provident fund is 12%, and the minimum deposit ratio is 5%. In the investment promotion, the housing provident fund shall not be promised to be exempt or retract the housing provident fund, nor can it be paid the housing provident fund in the introduction of talents and the super proportions. If the employee receives the salary at the minimum wage standard, the employee may be exempt from the housing provident fund, but the employee's unit shall still pay the housing provident fund for employees in accordance with the prescribed proportion. The deposit base and proportion of the independent depositors refer to the relevant provisions of the Regulations, and shall be determined by the Municipal Housing Provident Fund Management Committee.

(4) Improve the deposit method. The new deposit unit shall go to the housing provident fund management department to apply for the deposit registration in a timely manner. When a new employee of the unit is employed, the housing provident fund deposit registration shall be processed within 30 days from the date of recruitment. To fully implement the monthly basis, the unit shall not be intercepted or misappropriated the housing provident fund that should be deposited for employees.

(5) Strengthen the deposit law enforcement. It is necessary to implement the housing provident fund law enforcement agencies, preparations and personnel to enrich the law enforcement team. It is necessary to establish and improve the joint law enforcement mechanism of housing provident funds, taxes, market supervision and other departments, and do not apply for the housing provident fund deposit registration or not to go through the formalities of the accounts for employees, pay less, and arrears of housing provident funds. Administrative penalties or compulsory enforcement of the people's court.

(6) Strengthen coordinated supervision. The housing provident fund management department must strengthen and standardize information disclosure work, comprehensively promote the disclosure of information related information of the housing provident fund policy, enhance transparency, and improve credibility; consciously accept the supervision of the People's Congress, the CPPCC and financial, audit, and pedestrian departments, and give full play to the supervision role of all sectors of the society. Essence Unblocked the reporting channels for complaints, dealt with the demands of the masses in a timely manner, and safeguard the legitimate rights and interests of employees.

2. Standardize the use of funds and give full play to the effectiveness of the provident fund

(1) Strengthen housing security function. The housing provident fund management department shall comprehensively sort out the current housing provident fund use policies in accordance with the relevant policies and regulations of the superiors, timely clean up and correct the violations of regulations and no longer applicable policies, and implement the housing provident fund usage policy. To stop some excessive non -housing consumption extraction and use business, it shall not exceed the specified scope of use. To strengthen the housing security function of the housing provident fund, we will focus on supporting the basic housing consumption of the first self -living housing and the second set of improved housing, comprehensively improve the efficiency of funds, and give full play to the role of the housing provident fund system. (2) Enhance housing consumption power. The housing provident fund management department shall further simplify the requirements for approval, optimize business processes, and improve work efficiency in accordance with the principles of convenient use and serve employees. For the depositor of various types of enterprises with a large job liquidity, after terminating the labor relationship with the unit, they can withdraw or transfer individual housing provident funds at any time. The independent depositors are voluntarily suspended or reached the legal retirement age, and if there is no housing provident fund loan or loan that has been paid off, they can go through the one -time account withdrawal procedures at any time.

Actively develop personal housing loan business, and give full play to the role of housing provident fund flat loan. The loan policy is appropriately tilted to the employees of low -income deposits. According to the development of the real estate market in our city, under the premise of ensuring the security of funds, the personal housing loan quota and time limit for the housing provident fund personal housing fund is reasonably determined, the guarantee method is improved, and the loan scope is expanded. Establish a method of linked the loan amount and the payment period and the account balance, and encourage the guidance of early payment and multiple loans.

According to the use of funds and risk prevention and control needs, actively and steadily promote the loan business of the housing provident fund portfolio, and strive to achieve cooperation with all financial institutions that develop housing mortgage loans to meet the different needs of employees.

(3) Improve the risk prevention and control mechanism. The municipal housing provident fund management department shall improve the system and measures to prevent capital risks. Strengthen loan risk control, strict pre -loan review and post -loan management, and reduce the overdue rate of loans. Establish and improve the blacklist system for the integrity of the housing provident fund, publicly exposure to the breach of default units and personnel, and increase the punishment. Extract the loan risk reserve in full to improve the ability to resist risk. Improve the unified management measures of funds, and implement zero funds for the management department of the housing provident fund management department. The risk of scientific evaluation of the personal housing loan of the housing provident fund does need to take asset preservation measures such as notarization and guarantee.

Strengthen the management of supervision funds. Real estate development enterprises should provide supervision accounts as pre -sale commercial housing price collection accounts to buyers, and shall not provide non -regulatory accounts as house prices as a collection account for housing prices. Pre -sale funds such as deposits, down payment, mortgage loans issued by commercial banks, and other forms of commercial housing shall be deposited directly into supervision accounts; if you apply for commercial personal housing loans and provident fund personal housing loans, loans, loans The contract shall be used as the account account, and the loan shall be issued directly to the regulatory account. Banking financial institutions and housing provident fund management institutions shall not issue mortgage loans before receiving the full down payment issued by the buyer to the regulatory account.

3. Strengthen departmental collaboration and improve long -term mechanism

(1) Strengthen organizational leadership. Establish a expansion of housing, housing provident fund management committees, housing provident fund, housing construction, financial, auditing, statistics, public security, civil security, civil affairs, tax, real estate, market supervision, trade unions, industrial and commercial federations, People's Bank of China and other departments and units to expand housing The joint meeting of the beneficiary scope of the provident fund system, which is responsible for policy guidance and coordination, and organizes the collection and expansion of housing provident fund collection. The county and district governments must also set up corresponding institutions and deploy according to the unified deployment of the municipal joint meeting to help solve the problems of housing provident fund deposits, administrative law enforcement, management services, and infrastructure construction. Essence It is necessary to formulate specific policies and measures, improve the assessment system of responsibility, and strengthen the assessment of the expansion of the deposit and expansion.

(2) Strengthen departmental cooperation. Relevant departments and units should strengthen coordination, divide the division of labor, and cooperate closely to form a joint force.

The Housing Provident Fund Management Committee shall formulate the goal of paying for the deposit work, and increase the assessment of the extent and expansion of the county and the management area.

The financial department shall include the housing provident fund expenditure of employees of the fiscal budget management unit in the annual budget, and allocate a monthly basis. The employee unit will be paid to the housing provident fund management department on a monthly basis and strengthen supervision and inspection.

The People's Bank of China Xinyang City Sub -branch is responsible for the communication and guidance of the housing provident fund management department to access the financial credit information basic database enterprise system and personal system (hereinafter referred to as the corporate credit reporting system and personal credit reporting system) of the financial credit information center. The housing provident fund deposit information is fully included in the corporate credit reporting system, and as an important reference indicator for corporate credit rating and credit credit, the personal housing provident fund deposit and housing provident fund loan information are fully included in the personal credit reporting system.

The human resources and social security departments and industry organizations shall include the depository funds of the depository funds in the labor contract and the provisions of the employment contract, and strengthen the norms and guidance. Among them, in the "other agreed clauses" Pay the housing provident fund; the housing provident fund paid by Party B shall be paid by Party A; the disputes between the two parties and B due to the dispute between the housing provident fund, shall accept complaints and reports by the housing provident fund management department. Mediation and investigation. At the same time, it is necessary to provide the basic information and social security payment of the staff of the deposit unit to the housing provident fund management department. The audit department shall strengthen the audit supervision of the unit's depository fund.

When the trade union organization shall include the depository provident fund into the scope of the collective consultation of the salary and award all kinds of honorary titles, the payment of the unit housing provident fund as the reference conditions, and effectively safeguard the legitimate rights and interests of employees.

The market supervision department and the housing provident fund management department realize information sharing. In the first selection of enterprises and legal representatives, the depository fund is used as a reference basis.

The Municipal Federation of Industry and Commerce must actively mobilize membership units and their employees to pay housing provident funds, and rating the membership units and their legal persons to solicit the opinions of the housing provident fund management department.

The real estate registration department should actively create conditions, realize real estate information sharing with the housing provident fund management department, and timely handle mortgage registration to facilitate employees to apply for loan application procedures.

The public security department is responsible for the connection between the housing provident fund business management system and the Henan resident ID card management system.

The civil affairs department shall strengthen communication and coordination with the housing provident fund management department, and shared the relevant information of social groups and private non -enterprise units for registered management.

The statistical department is responsible for providing statistics such as the number of employees in the housing provident fund management departments in the housing provident fund management department, and the average salary of employees in urban non -private units on the job.

The entrusted bank that housing housing provident fund financial business shall make full use of their own financial functions and close advantages in contact with enterprises, and actively guide various types of enterprises to establish a housing provident fund system.

Other relevant departments and units should actively support and cooperate with their own functions.

(3) Strengthen publicity and guidance. Governments and relevant departments at all levels should widely publicize the use of housing provident fund deposit and use policies through news media such as television, broadcasting, newspapers, and Internet, increase guidance and public opinion supervision, increase the consciousness of units and employees, create a consciousness of employers consciousness The public opinion environment of the housing provident fund deposit obligation. Units that have not established a housing provident fund system or arrears of housing provident fund shall be included in the integrity blacklist in accordance with regulations, and the media will be exposed publicly through the media. The housing provident fund management department shall improve the press release system, formulate and improve emergency plans, and effectively prevent and properly dispose of emergencies.

(4) Strengthen supervision and inspection. The housing provident fund is urged to pay the real life of the people's livelihood and the scope of the municipal government's inspection. The housing provident fund management department shall actively carry out regular housing provident fund urging work with relevant departments of the municipal direct departments, strengthen the inspection of the establishment of the housing provident fund system, and urge all units to pay the housing provident fund. Those who have not paid the housing provident fund in accordance with the regulations shall be punished in accordance with the relevant provisions of the Regulations to effectively safeguard the legitimate rights and interests of employees.

(5) Improve service level. Increase investment in information construction, make full use of the "Internet+Provident Fund" technology, vigorously promote the provident fund service matters "cross -provincial, one -grid -to -office, one window -to -office office", and consolidate the results of the construction of comprehensive service platforms. Adhere to the equal emphasis on online processing and window services, continue to optimize the service hall window service, improve the service environment, optimize the processing process, simplify the processing links and requirements, and let the provident fund deposit unit and employees feel convenient and efficient services.

This opinion will be implemented from July 1, 2022. The "Implementation Opinions on Further Expanding the Scope of Benefit of the housing provident fund system" (Xinzheng Office [2017] No. 63) issued in May 2017 was abolished at the same time.

The Office of the People's Government of Xinyang City

June 20, 2022

Responsible editor: Shi Jian | Audit: Li Zhen | Director: Wan Junwei

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