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新华解码丨普惠扩围全链赋能——《住房公积金管理条例》修改解读_我的网站

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Foreign ministers and top diplomats of the Pacific Islands countries attend a meeting of the Pacific Islands Forum (PIF) in Suva, Fiji, on August 7, 2026, ahead of the full leaders meeting scheduled for September 2026 in Palau. Photo: VCG
As foreign ministers and senior representatives from Pacific nations convened in Suva for the Pacific Islands Forum (PIF) to discuss key regional issues, New Zealand's foreign minister reportedly pushed to secure a joint statement condemning China's missile tests in July, however, his effort ultimately fell flat. A Chinese expert described the outcome as a clear rebuke to Canberra and Wellington's ingrained habit of speaking for the Pacific, saying the two countries must come to terms with a shifting reality: Pacific Island states are increasingly unwilling to let Australia and New Zealand dictate who their friends, foes and perceived security threats should be.
Pacific Island foreign ministers failed to agree on Friday to a joint response to China's missile launch in July, with further discussions expected at the Pacific leaders meeting at the end of August, said New Zealand Foreign Minister Winston Peters, according to Reuters.
According to a report from Radio New Zealand, there has not been a unanimous statement from Pacific nations about China's test-launch in July, and Peters said New Zealand had been pushing for one. Peters claimed that the Pacific missed an opportunity not to issue a joint statement soon after China's launch.
Australia's Foreign Minister Penny Wong said before the meeting that she hoped China took note of the "very clear response" already sent from the Pacific about the test, according to AFP.
Peters' push for a joint PIF statement on China's missile tests, together with Wong's remarks, are less about technical security concerns than an effort to turn their own anxieties about China into a regional agenda and pressure Beijing under the forum's collective banner. His description of Pacific Island countries' refusal to single out China as a "missed opportunity" also reveals little respect for their independent judgment, Chen Hong, director of the New Zealand Studies Centre, East China Normal University, told the Global Times.
The result is a clear rebuke to Canberra and Wellington's long-standing habit of arrogantly "speaking for" the Pacific, as island states are increasingly unwilling to let Australia and New Zealand decide who their friends, foes or security threats should be, said Chen Hong.
The Chinese People's Liberation Army Navy said on July 6 that one of its strategic nuclear submarines successfully launched a strategic missile toward relevant high seas of the Pacific Ocean, which landed precisely within the designated waters. China notified relevant countries in advance of the test launch, a move that demonstrates the openness and transparency of the Chinese armed forces, Chen Xi, a spokesperson for the Ministry of National Defense, said at a press conference on July 7.
Chen Hong also noted that Peters' recent China-related rhetoric has become increasingly populist and hawkish as elections approach in New Zealand. "Such an approach risks undermining New Zealand's long-standing reputation for pragmatic, independent, and rational diplomacy," Chen Hong said.
In July, during a parliamentary debate on New Zealand's Covid-19 pandemic response, Peters, who is also leader of the populist New Zealand First party, told a Chinese-born lawmaker to "go back to your own country" while mocking his English proficiency. His remarks drew wide criticism in New Zealand.
Yet Australia and New Zealand continued to amplify missile-related issues and great-power rivalry, pushing the "China threat" narrative to the center of the regional agenda while sidelining the priorities that matter most to Pacific Island nations, said Chinese analysts.
Chen Hong noted that for island states, the most urgent concerns are not geopolitical competition but everyday challenges: climate change, energy security, development financing, infrastructure and economic resilience. By shifting the focus from these concerns to strategic rivalry among major powers, Australia and New Zealand risk distorting the region's real priorities and undermining the aspirations of Pacific Island countries.
According to an introduction on the forum website, "The Forum's Pacific Vision is for a resilient region of peace, harmony, security, social inclusion and prosperity, so that all Pacific people can lead free, healthy, and productive lives."
At the opening of the meeting, Rick Houenipwela, foreign minister of the Solomon Islands and chair of the meeting, said that the Pacific's agenda must continue to be "conceived ⁠by the Pacific, shaped by the Pacific and only by the Pacific," according to Reuters.
Chen Hong said Pacific Island nations have made their position clear: differences with China do not mean signing up to the strategic agendas of Australia and New Zealand. A growing number of island countries refuse to be trapped in the black-and-white binary choice of siding with either China or the West.
If Canberra and Wellington keep pushing rhetoric beyond the regional consensus, they risk undermining the very institution they claim to support. The PIF's strength lies not in issuing confrontational statements, but in preserving Pacific unity. Turning that consensus into a tool for pressuring China would erode the forum's cohesion and weaken its central role in the region, said Chen Hong.
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B | 北京8月19日电 题：普惠扩围全链赋能——《住房公积金管理条例》修改解读 记者王优玲住房公积金制度是我国城镇住房制度的重要组成部分，关系广大群众切身利益。《国务院关于修改〈住房公积金管理条例〉的决定》自2026年9月20日起施行。《住房公积金管理条例》为什么要进行修改？有哪些修改重点？将如何更好满足多样化住房消费需求？ 全链赋能，覆盖多样化住房消费场景 自1999年国务院颁布施行《住房公积金管理条例》以来，住房公积金制度运行逐步走上法治化、规范化轨道。

C | 当前，住房公积金制度运行面临新的形势。住房城乡建设部相关负责人表示，随着我国房地产市场发展，人民群众的住房需求从“有没有”转向“好不好”，住房消费场景日益多样化，对住房公积金使用管理提出新的要求。

D | 决定将住房公积金提取情形由原有的6种拓展为9种，包括：支付房租的；购买、建造、翻建、大修自住住房的；偿还购房贷款本息的；装修自住住房的；支付自住住房物业费的；离休、退休的；完全丧失劳动能力，并与单位终止劳动关系的；出境定居的；国务院批准的其他住房消费情形。

E | 安徽工业大学商学院教授吴义东说，决定在保留原有提取场景的基础上，新增了居住品质提档升级的提取情形，将装修自住住房、支付自住住房物业费纳入提取范围，使住房公积金得以贯通租房安居、购房置业、修房养护等住房消费全链条。值得注意的是，决定新增“国务院批准的其他住房消费情形”作为兜底条款。住房城乡建设部政策研究中心副主任浦湛表示，这使住房公积金的使用场景不局限于当下已知的“项目清单”，提取范围可更加灵活地回应缴存人住房消费变化，为未来拓展用途留出空间。 “条例的修改，坚持住房全周期保障，切实回应了人民群众住房需求的转变。

F | ”上海交通大学国际与公共事务学院教授陈杰说，住房公积金原来以购房贷款为主的功能，难以满足人民群众多元化的住房消费需求，相关修改正是对这一短板的有力补强。 普惠扩围，拓宽制度覆盖面 当前，数字经济、平台经济、共享经济等新业态蓬勃发展，外卖骑手、网约车司机、网络主播、自由设计师等灵活就业群体规模持续壮大，我国灵活就业人员规模已超2亿人。

G | 为适应我国就业结构变化、增强制度普惠性，决定将住房公积金制度覆盖面扩大到灵活就业群体，增加“个体工商户、非全日制从业人员以及其他灵活就业人员，可以自愿缴存住房公积金，按照规定享受相应的政策支持。具体办法由设区的市级以上地方人民政府制定。

H | ”“国务院住房城乡建设主管部门等有关部门应当加强对灵活就业人员缴存住房公积金工作的指导。” 近年来，住房城乡建设部分3批推进36个城市开展灵活就业人员参加住房公积金制度试点工作。记者了解到，试点以来，参加住房公积金制度的灵活就业人员70%是新市民、青年人，目前已有200多万灵活就业人员参加了住房公积金制度。浙江工业大学中国住房和房地产研究院院长虞晓芬说，技术革新、业态创新和要素重塑等正在深刻改变就业结构。灵活就业人员参加住房公积金制度实现了由试点探索向制度化、规范化推进的转型，从法规层面打通了“愿缴能缴”的通道。考虑到不同城市房地产市场、资金规模、群众住房需求的差异，相关修改赋予地方弹性实施空间。

I | 住房城乡建设部相关负责人表示，决定在扩大住房公积金制度覆盖面问题上坚持两点：一是尊重灵活就业人员意愿，不搞强制和“一刀切”；二是授权设区的市级以上地方人民政府制定具体办法，同时明确住房城乡建设部等国务院有关部门应当加强指导。 便民高效，强化风险管控 进一步提升住房公积金管理服务效能，增强群众获得感，是各方面的普遍期待。决定提出，加强数字化、智能化建设，提升住房公积金管理服务效能，实现住房公积金缴存记录等全国范围内互信互认，推动住房公积金转移接续、异地贷款等业务便捷高效办理。随着经济社会发展，缴存人、资金等要素跨区域流动日益频繁，对跨区域公共服务需求愈发迫切。陈杰说，这是从制度源头着手，依托数字化、智能化技术手段，全面打通全国公积金缴存信息壁垒。

J | 决定还简化了职工申请提取住房公积金的手续，无需再由所在单位核实和出具提取证明，同时缩短了住房公积金贷款申请审查时限，由15日缩短到10日。在优化服务的同时，决定明确了强化信用约束、完善处罚规定等方面的措施，加强风险防控。决定增加“国务院住房城乡建设主管部门应当确定住房公积金领域公共信用信息，住房公积金管理中心应当建立全面完整准确的信用记录，纳入全国信用信息共享平台。”此外，决定对以欺诈、伪造证明材料等手段违法提取住房公积金、获得住房公积金贷款的行为，规定了明确的法律责任。