We also provide excellent benefits such as shuttle bus , free meal , social insurance and public housing fund as well as paid holidays and bonus 公司采取的用工形式均为合同制，提供班车、四金、工作餐、有薪病假、年休假、年终奖等福利，同时重视人才培养，将给员工提供诸多培训。
Housing provident fund system is a national management system of the residence margin to control the definite direction to used for residence developments or housing fund by law means , economic means or the administration means 住房公积金制度是国家运用法律手段、经济手段和行政手段,对住房基金进行集中支配,定向用于住宅建设和住宅融资的管理制度。
Unit not capture is little perhaps of capture housing accumulation fund , by housing fund government office instructs deadline capture to put , exceed the time limit still not capture puts , can apply for people court to be carried out compulsively 单位不缴或者少缴住房公积金的，由住房基金治理处责令限期缴存，逾期仍不缴存的，可以申请人民法院强制执行。
Based on the national taxation regulation , besides social insurance and housing fund within the limitation ( three times of social average salary ) , any other benefit and housing fund beyond the limitation to the employees must be taxed as individual income and the beneficiary needs to pay the tax accordingly 根据国家税务政策，除社会保险、上限以内的公积金及其他特别规定的可免税项目外，其他所有员工福利必须计税并从工资中做为个人所得税代扣。
In this chapter , the thesis mainly discuss the pattern to innovate hfi in our country , and make a suggestion that china should develop hfii from the housing mortgage loan innovation , housing funds innovation , housing mortgage loan securitilisation innovation and the innovation of direct financial instruments in capital market 在这一章，本文着重论述了我国住房融资工具创新的模式构造，提出了我国开展住房融资工具的创新应从住房抵押贷款品种的创新、住房基金的创新、住房抵押贷款证券化创新，以及资本市场直接融资工具的创新等方面进行有益的尝试。
Current , loan buys commodity house of period room , 10 % what ask lowest buys room head to pay to assess a value for the building ; loan buys other property housing , requirement lowest buys room head to pay to assess a value for the building ( the housing that need not evaluate , to buy house fund actually ) 5 % 目前，贷款购买商品房期房的，要求最低购房首付款为房屋评估值的10 % ；贷款购买其他性质住房的，要求最低购房首付款为房屋评估值（不必评估的住房，为实际购房款）的5 % 。
Additional , usurer still must have following requirement : one , have beijing town constant resident mouth or effective and resident status ; 2 , the profession that has stability and income , paid the ability that returns loan principal and interest ; 3 , have the contract that buys housing or concerned proof file ; 4 , offer management center of beijing housing fund and place to belong to what cent center agrees to assure means ; 5 , the other condition that accords with management center of beijing housing fund and place to belong to minute of center to set 另外，贷款人还必须具备下列条件：一、具有北京市城镇常住户口或有效居留身份；二、具有稳定的职业和收入，有偿还贷款本息的能力；三、具有购买住房的合同或有关证实文件；四、提供北京市住房资金治理中心及所属分中心同意的担保方式；五、符合北京市住房资金治理中心及所属分中心规定的其他条件。
At first , this thesis analyzed some essential elements about the system of personal houe loan and make the compare to chinese and foreign system , and established the system of personal credit evaluate ; the second , the thesis discusses the investment technique and strategy of national debt in the provident fund , and established the model about how to invest the national debt ; the third , the thesis build the forecast model about fund collecting and drawing , and make use of the combination invest theories to build model of individual loan and national debt ; at last , the thesis analyses the risk ' s inside reason of house funds with the risk type , and to give out the related suggestion to funds risk . mechanism . the thesis research show me how to make use of that some models and methods in the process of haf management and make me deeply understand the house funds 本文首先分析了个人住房贷款制度基本要素，即贷款期限、贷款利率与抵押物价值的比例、政府在个人住房贷款市场中的作用、贷款违约情况下的处置措施、个人住房贷款的流动性问题，并对中外制度作了比较，建立了个人信用评分评级体系和信用评估模型，并以重庆市住房公积金为研究对象做出了住房资金个贷风险评估的实证研究；其次，分析了影响国债价格走势的因素，讨论了公积金国债的投资技巧和策略，并建立了基于理论的国债投资组合模型；接下来，根据资产负债管理理论中的资金总库法和资金分配法分析了公积金总体资金项目的来源和运用，并就此作了总量平衡模型，对住房公积金季度累计归集金额作了直线回归和季节趋势比率预测，运用投资组合理论建立了公积金个人贷款和国债投资组合的最优化模型；最后，探析了住房资金风险的内在原因和风险类型，从资金筹集风险、信贷回归风险、保险机制、法律风险和政策风险五个方面为住房资金风险防范机制建设提出了相关建议。
The object that accumulation fund of management center of beijing housing fund borrows money must be buy in this city live oneself housing , it is the deposit of housing accumulation fund in accumulation fund of housing of deposit of system of management center of beijing housing fund at the same time person or collect those who join an unit to leave retired worker 北京市住房资金治理中心公积金贷款的对象必须是在本市购买自住住房，同时又是在北京市住房资金治理中心系统交存住房公积金的住房公积金交存人或汇交单位的离退休职工。
The way to resolve the shortage of the fund is financial directness in housing securitization . housing funding is the primary way to satisfy the funding needs . the issuance of mortgage - backed securities （ mbs ） is one kind of the securitization and it can bring many other benefits to commercial banks and mbs investors 住宅金融的直接化是解决住宅产业发展资金缺口的重要手段，而通过实施住房抵押贷款证券化发行抵押支持证券（ mbs ）是实现住宅金融直接化的一项重要措施。
