摘 要
众所周知，房地产事业能否得到健康发展，在一定程度上影响着社会发展的稳定性。自从上世纪 90 年代以来，我国由于市场经济的主体地位基本确定，住房市场也从福利配给的分配制度，向着货币化制度转变，给住房公积金制度的产生与发展创造了有利条件。
住房公积金制度的有效实施一方面有利于住房的制度改革，另一方面也能够在某种程度上促进房地产事业的健康快速发展，为居民基本的住房需求提供保障。与此同时，由于经济发展所引起的住房公积金管理制度缺陷也日渐明显，各相关部门都需对此引起充分重视并不断研究分析有效的解决措施。对于油田企业而言，正面临着全面的体制改革，住房公积金的管理制度也不例外。
作为一项长期性的住房储蓄基金，住房公积金稳定开展各项相关业务的同时，也要求对其自身的内部控制予以强化，这就要求必须构建一种更全面、更合理的内部风险防范体系；并且，随着住房公积金业务规模和企业员工数量的不断扩大，贷款额、归集额等的大幅度增长，对内部控制加以控制，进一步做好住房公积金的风险防范工作显得尤为重要。
本次研究首先对油田企业住房公积金风险管理这一问题提出的背景和意义进行研究，同时针对住房公积金风险管理相关的国内外研究现状进行详细阐述；随后对住房公积金风险管理的有关理论展开总结与剖析，同时就 C 油田住房公积金风险管理工作的开展现状以及存在问题进行探讨；在此基础上，尝试性设计构建 C 油田住房公积金风险管理体系，并分析该风险管理体系的实施可行性与具体实施步骤，最后还就如何保证 C 油田住房公积金风险管理顺利实施的问题提出了一些建议，以便能够促进类似油田企业构建更为完善健全的住房公积金风险管理体系，促进住房公积金风险管理体系的进一步完善与发展，为我国住房公积金和房地产事业的长远发展提供坚实基础。
关 键 词：油田企业；住房公积金；风险管理；解决对策
Abstract
As everybody knows,whether the real estate can obtain a healthy development influencesthe social development stability to some certain degrees. Since 90's in last century,becausethe dominant position of market economy in our country has been fundamentally established,the housing market has been transferred from distribution system as welfare to monetizationsystem which provides suitable conditions for the generation and development of housing fundsystem.The effective performance of housing fund system is favor of housing system reformon one side;on the other side it can promote the healthy and rapid development of real estate tosome extent and provide guarantee for residents' basic housing requirements.In the meantime,the management system deficiencies of housing fund caused by economic development havebecome obvious day by day,therefore,all related departments need to pay much attention onthis and carry out research and analysis on effective solutions.
For oilfield enterprises,they are facing overall system reform. And the housing fundmanagement system is of no exception.As a long-term housing reserve fund,while housingfund stably carries out all related businesses,it is also required to strengthen its internalcontrols.This requires a more complete and reasonable internal risk prevention system beingestablished.And following the continuous expansion of housing fund business scales andnumbers of employees as well as substantial increase in loan amount and accumulative fund,it becomes more important in controlling internal system and carrying out risk prevention inhousing fund.
This paper first studies the background and significance generated by housing fund riskmanagement in oilfield enterprises and then gives detailed statement of research status relatedto housing fund management in domestic and abroad.Then it concludes and analyzes theoriesrelevant to housing fund management and discusses the present situations and existingproblems of housing fund risk management in C oilfield.On this basis,this paper attempts todesign and construct the housing fund risk management system of C oilfield and analyzes thefeasibility and specific implementation steps of this system.At last this paper proposes somesuggestions on how to guarantee the smooth implementation of housing fund risk managementin C oilfield in order to promote the more perfect and healthy housing fund risk managementsystem to be established in similar oilfield enterprises as well as further perfection anddevelopment of housing fund risk management system which will lay a firm foundation forour country's housing fund system and long-term development of real estate.
Key Words: Oilfield Enterprise, Housing Fund, Risk Management, Solutions
目 录
第一章 绪论
1.1 研究背景
1.2 研究目的和意义
1.2.1 研究目的
1.2.2 研究意义
1.3 国内外研究综述
1.3.1 国外研究综述
1.3.2 国内研究综述
1.3.3 国内外研究现状评述
1.4 研究方法和主要内容
1.5 创新点
第二章 住房公积金风险管理的理论基础
2.1 住房公积金风险含义及成因
2.1.1 住房公积金的含义
2.1.2 住房公积金风险的含义
2.1.3 住房公积金风险的成因
2.2 住房公积金风险的类别
2.2.1 住房公积金归集风险
2.2.2 住房公积金国债风险
2.2.3 住房公积金贷款风险
2.2.4 住房公积金软件风险
2.3 住房公积金风险管理相关理论
2.3.1 风险管理理论
2.3.2 内部控制理论
第三章 C 油田住房公积金风险管理现状及存在的问题
3.1 C 油田住房公积金中心概况
3.1.1 C 油田住房公积金的产生背景
3.1.2 C 油田住房公积金中心简介
3.2 C 油田住房公积金基本情况及管理特点
3.2.1 C 油田住房公积金基本情况
3.2.2 C 油田住房公积金管理特点
3.3 C 油田住房公积金风险管理现状
3.3.1 C 油田住房公积金管理部门机构设置
3.3.2 C 油田住房公积金风险管理制度和内容
3.3.3 C 油田住房公积金相关业务流程图
3.3.4 C 油田住房公积金风险的特殊性及风险管理效果
3.4 C 油田住房公积金风险管理存在的问题
3.4.1 未实现住房公积金全面风险管理
3.4.2 内部控制和考核制度还不够完善
3.4.3 与银行信贷对账和贷后管理急需加强
3.4.4 信息系统维护不及时
3.5 对 C 油田住房公积金进行风险管理的必要性
第四章 C 油田住房公积金风险管理体系设计和实施
4.1 对 C 油田住房公积金进行风险管理的可行性
4.2 C 油田住房公积金风险管理体系的设计原则和思路
4.3 C 油田住房公积金风险管理体系的内容
4.3.1 C 油田住房公积金风险识别
4.3.2 C 油田住房公积金风险评价
4.3.3 C 油田住房公积金风险控制措施
第五章 C 油田住房公积金风险管理实施保障措施
5.1 加强制度建设，防范体系风险
5.2 加强监督检查，防范资金风险
5.3 加强系统优化，防范信息风险
第六章 结论
致 谢
参考文献
