分析了目前住房公积金管理实施现状，针对存在的问题提出了改进措施。

This paper analyzes the present situation of housing fund management, and in the light of the excising problems, advances some improvement measures.

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对政策性住房信贷业务、住房公积金和商业性的个人住房抵押贷款的现状、问题进行较为详细的分析。

It also analyzes in detail the current situation and problems in policy-related residential credit business, residential accumulation fund and the housing mortgage loans.

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第三章针对从我国住房公积金制度设计和运行的现状，指出住房公积金制度中在设计方面和运行方面中存在的法律问题。

The chapter three, based on the conditions of design and run of the housing accumulation fund system in our country, figure out the existing legal matters of housing accumulation fund system.

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