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公积金全面覆盖是做什么用的

2012-02-06 10:41:36     青年时报   浏览次数:   我要评论()

  全面覆盖的公积金,很难说不是应对大量保障房资金缺口的举动,然而保障房则远不到覆盖整个来京务工人员的地步。

 

  有媒体报道称,北京将要把住房公积金变成“全覆盖”,也就是说覆盖到所有外来的打工人员。

 

  这对外地进京务工人员应该是一个利好消息,但仔细看报道就能发现其中另有玄机。我们先来说说公积金全覆盖是做什么用的。

 

  根据有关负责人的讲话显示,“北京实行外来务工人员公积金全覆盖的目的是争取扩大公积金贷款支持保障房建设的额度,进一步扩大试点规模。今年北京保障房新开工建设规模虽然较去年有所下降,但工作难度依然很大,需要进一步加强住房公积金对保障房建设的支持力度。”这话是官话,翻译过来,就是公积金之所以要“继续加大行政执法力度,提高覆盖率和缴存率,做到应建尽建、应缴尽缴”,固然有维护职工合法利益的原因,但更多的怕是保障房的建设出了问题。简单来说就是钱不够了,需要公积金贷款支持其建设。

 

  保障房是这两年的民生政策重头戏,去年下了军令状要求各地开工建设,而各地对此虽积极响应,开工不建却屡见不鲜。所谓开工不建,是因为开工成本没有多少,而只要开工就已算政绩达标。为此,今年的军令状改成了开工并且建设完毕的数额才是考核标准。但咱们也知道,现在对于房地产的政策是平抑房价,这就让房地产市场遇冷收缩,房地产遇冷收缩之后,各地的土地财政收入就不足了。这些年各地抱着土地财政这个聚宝盆大手大脚花钱惯了,也落下了不少亏空,赚钱填补窟窿还来不及,哪里有这么多余钱去建设保障房呢?

 

  全面覆盖的公积金,很难说不是应对大量保障房资金缺口的举动,然而保障房则远不到覆盖整个来京务工人员的地步。而且我们知道,住房公积金实际上还加重了企业的负担。可能不做生意的人不知道,税负之外现在的人力成本之高已经成了企业的重负,一般来说,三险一金要占到一个人工资的三分之一,这部分很多是企业进行缴纳的。用行政手段强力推行全员覆盖,很多小型、微型企业可能很难承受。实际上很多在这种企业打工的人,即使缴纳了这部分公积金的话,也没有可能在北京买房。这些钱的流向其实还是倾向于劫贫济富。

 

  而企业为了降低经营成本,很可能采取底薪的政策,与此同时,京城的生活成本也会因为经营成本上涨而提高。这也可以说到当天的另一条新闻:因生活成本高,北京招聘会冷清。的确,京城米贵、居大不易,固然可以从公积金上找补回来一些,但实际上的生活成本也高了起来,逃离北上广也就成了一种追求。


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org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:293) at org.apache.coyote.http11.Http11Processor.process(Http11Processor.java:861) at org.apache.coyote.http11.Http11Protocol$Http11ConnectionHandler.process(Http11Protocol.java:606) at org.apache.tomcat.util.net.JIoEndpoint$Worker.run(JIoEndpoint.java:489) at java.lang.Thread.run(Thread.java:662) Caused by: java.lang.reflect.InvocationTargetException at sun.reflect.GeneratedMethodAccessor404.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:25) at java.lang.reflect.Method.invoke(Method.java:597) at freemarker.ext.beans.BeansWrapper.invokeMethod(BeansWrapper.java:840) at freemarker.ext.beans.BeanModel.invokeThroughDescriptor(BeanModel.java:276) at freemarker.ext.beans.BeanModel.get(BeanModel.java:183) ... 45 more Caused by: org.hibernate.ObjectNotFoundException: No row with the given identifier exists: [sufei.zggjj.cms.entity.main.CmsUser#3765] at 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