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鹰潭市住房公积金管理中心2021年年度报告

2022-03-30 15:41:26  浏览次数:

      根据国务院《住房公积金管理条例》和住房和城乡建设部、财政部、中国人民银行《关于健全住房公积金信息披露制度的通知》(建金〔2015〕26号)的规定,经市住房公积金管理委员会审议通过,现将市住房公积金2021年年度报告公布如下:

一、机构概况

(一)住房公积金管理委员会:市住房公积金管理委员会有    29名委员,2021年召开1次会议,审议通过了2021年度住房公积金归集、使用计划情况,并且对其他重要事项进行了决策。

(二)住房公积金管理中心:市住房公积金管理中心为市政府直属的公益一类正处级事业单位,设6个科室,3个办事处。从业人员57人,其中,在编34人,非在编23人。       

二、业务运行情况

(一)缴存:2021年,新开户单位194家,净增单位138家;新开户职工8265人,净增职工2772人;实缴单位1549家,实缴职工68152人,缴存额13.53亿元,分别同比增长9.78%、4.24%、9.68%。2021年末,缴存总额102.65亿元,同比增长15.19%;缴存余额43.47亿元,同比增长12.03%。受委托办理住房公积金缴存业务的银行3家。

(二)提取:2021年,22906名缴存职工提取住房公积金;提取额8.87亿元,同比下降15.58%;提取额占当年缴存额的65.51%,比上年减少19.59个百分点。2021年末,提取总额59.18亿元,同比增长17.62%。

(三)贷款

1.个人住房贷款:单缴存职工个人住房贷款最高额度40万元,双缴存职工个人住房贷款最高额度60万元。

2021年,发放个人住房贷款2206笔7.07亿元,分别同比下降8.69%、19.97%。其中,市本级1069笔3.59亿元、贵溪办事处715笔2.12亿元、余江办事处364笔1.19亿元、龙虎山办事处58笔0.17亿元。

2021年,回收个人住房贷款4.07亿元。其中,市本级2.28亿元、贵溪办事处1.23亿元、余江办事处0.54亿元、龙虎山办事处0.02亿元。

2021年末,累计发放个人住房贷款2.64万笔69.81亿元,贷款余额40.30亿元,分别比上年末增长9.11%、11.27%、8.04%。个人住房贷款余额占缴存余额的92.71%,比上年末下降3.42个百分点。2021年受委托办理住房公积金个人住房贷款业务的银行10家。

2.住房公积金支持保障性住房建设项目贷款:截至2021年底,本市无项目贷款。

(四)购买国债:截至2021年底,本市没有购买国债。

(五)资金存储:2021年末,住房公积金存款4.17亿元。其中,活期1.71亿元,1年以上定期2.46亿元。

(六)资金运用率:2021年末,住房公积金个人住房贷款余额、项目贷款余额和购买国债余额的总和占缴存余额的92.71%,比上年末下降3.42个百分点。

(七)融资:2021年当年融资0.67亿元,融资余额0.57亿元。

三、主要财务数据

(一)业务收入:2021年,业务收入14397.08万元,同比增长7.76%。其中,市本级8667.94万元、贵溪办事处3789.4万元、余江办事处1818.19万元、龙虎山办事处121.55万元;存款利息1552.84万元,委托贷款利息12749.66万元,其他收入94.58万元。

(二)业务支出:2021年,业务支出6714.35万元,同比增长11.29%。其中,市本级3338.7万元、贵溪办事处2371.41万元、余江办事处899.01万元、龙虎山办事处105.23万元;支付职工住房公积金利息6126.82万元,归集手续费0万元,委托贷款手续费支出254.95万元,其他支出332.58万元。

(三)增值收益2021年,增值收益7682.73万元,同比增长4.85%。其中,市本级5329.24万元、贵溪办事处1417.99万元、余江办事处919.19万元、龙虎山办事处16.31万元;增值收益率1.89%,比上年下降0.07个百分点。

(四)增值收益分配:2021年,提取贷款风险准备金299.89万元,提取管理费用1413.52万元,提取城市廉租住房(公共租赁住房)建设补充资金5969.32万元。

2021年,上缴财政管理费用1413.52万元;上缴财政城市廉租住房(公共租赁住房)建设补充资金5969.32万元。

2021年末,贷款风险准备金余额4029.83万元。累计提取城市廉租住房(公共租赁住房)建设补充资金41221.73万元。

(五)管理费用支出:2021年,管理费用支出3503.93万元,同比增长156.98%。其中,人员经费566.61万元,公用经费210.44万元,专项经费2726.88万元。

     市本级管理费用支出3267.71万元。其中,人员、公用、专项经费分别为393.38万元、147.45万元、2726.88万元;贵溪办事处管理费用支出108.46万元。其中,人员、公用、专项经费分别为75.05万元、33.41万元、0万元;余江办事处管理费用支出88.75万元,其中,人员、公用、专项经费分别为68.04万元、20.71万元、0万元;龙虎山办事处管理费用支出39.01万元,其中,人员、公用、专项经费分别为30.14万元、8.87万元、0万元。

四、资产风险状况

(一)个人住房贷款:2021年末,个人住房贷款逾期额0万元,逾期率0‰,个人贷款风险准备金余额4029.83万元。2021年,使用个人贷款风险准备金核销呆坏账0万元。

五、社会经济效益                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         (一)缴存业务

缴存职工中,国家机关和事业单位占51.29%、国有企业占25.45%、城镇集体企业占1.75%、外商投资企业占1.52%、城镇私营企业及其他城镇企业占13.44%、民办非企业单位和社会团体占1.23%、灵活就业人员占0.26%、其他占5.06%;中、低收入占98.56%,高收入占1.44%。

新开户职工中,国家机关和事业单位占23.69%、国有企业占15.93%、城镇集体企业占6.32%、外商投资企业占2.32%、城镇私营企业及其他城镇企业占39.84%、民办非企业单位和社会团体占1.88%、灵活就业人员占0.80%、其他占9.22%;中、低收入占99.47%,高收入占0.53%。

(二)提取业务

提取金额中,购买、建造、翻建、大修自住住房占36.06%,偿还购房贷款本息占38.2%,租赁住房占2.36%,离休和退休占16.62%,与单位终止劳动关系占4.0%,出境定居占0%,其他占2.76%。提取职工中,中、低收入占96.65%,高收入占3.35%。

(三)贷款业务

1.个人住房贷款:2021年,支持职工购(建)房27.77万平方米,年末个人住房贷款市场占有率(含公转商贴息贷款)为14.97%,比上年末下降1.87个百分点。通过申请住房公积金个人住房贷款,可节约职工购房利息支出13500.57万元。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      职工贷款笔数中,购房建筑面积90(含)平方米以下占8.25%,90-144(含)平方米占78.92%,144平方米以上占12.83%。购买新房占75.11%(其中购买保障性住房占0%),购买二手房占24.89%。

职工贷款笔数中,单缴存职工贷款占25.2%,双缴存职工贷款占74.8%,三人及以上缴存职工共同申请贷款占0%。

贷款职工中,30岁(含)以下占28.33%,30岁-40岁(含)占35.32%,40岁-50岁(含)占27.06%,50岁以上占9.29%;购买首套住房申请贷款占85.36%,购买二套及以上申请贷款占14.64%;中、低收入占99.64%,高收入占0.36%。  

(四)住房贡献率

2021年,个人住房贷款发放额、公转商贴息贷款发放额、项目贷款发放额、住房消费提取额的总和与当年缴存额的比率为102.44%,比上年下降28.11个百分点。

六、其他重要事项

(一)当年机构及职能调整情况、受委托办理缴存贷款业务金融机构变更情况

1.当年机构及职能调整情况

根据《关于印发<鹰潭市住房公积金管理中心职能配置、内设机构和人员编制规定>的通知》(鹰办字〔2021〕28号)规定,市住房公积金管理中心是市政府直属公益一类事业单位,为正处级;经费保障形式为财政全额拨款,设下列内设机构和分支机构:办公室、归集提取科、信贷管理科、财务科、稽核信息科、机关党总支、市住房公积金管理中心贵溪办事处、市住房公积金管理中心余江办事处、市住房公积金管理中心龙虎山办事处。

2.受委托办理缴存贷款业务金融机构变更情况

(1)当年受委托办理缴存业务金融机构变更情况:2021年鹰潭市受委托办理缴存业务金融机构与上年保持一致,分别是中国银行、建设银行和工商银行。

(2)当年受委托办理贷款业务金融机构变更情况:2021年新增兴业银行,目前有十家委贷银行:工商银行、农业银行、中国银行、建设银行、邮储银行、上饶银行、江西银行、九江银行、农商银行、兴业银行。

)当年住房公积金政策调整及执行情况

1.当年缴存基数限额及确定方法、缴存比例等缴存政策调整情况

根据《住房公积金管理条例》及《住房公积金归集业务标准》等有关规定,结合本市实际情况,以我市统计局2020年度职工月平均工资数据计算为依据,2021年度鹰潭市住房公积金缴存基数、比例和月缴存额上、下限为:

2021年公积金缴存基数、比例和月缴存额情况表

指标

上限

下限

缴存基数

19850

1730

月缴存额

4764

174

缴存比例

12%

5%

2.调整的部分政策

(1)取消提取和贷款并行,实行提取和贷款二选一即职工在购买自住住房办理住房公积金业务时,在提取和贷款住房公积金业务中只能选择一项办理。

(2)新增对公积金贷款额度计算方式。根据借款人的公积金缴存状况、账户余额、缴存时间及等因素综合判断可贷款额度及还款能力,即:贷款额度=(借款人公积金账户余额+共同借款人公积金账户余额)X13倍X缴存时间系数,计算所得出的贷款额度不得超过公积金现行政策的最高贷款额度:首次申请公积金贷款的最高额度不得超过总房价款的70%,单职工最高贷款40万,双职工最高贷款60万,第二次公积金贷款的最高额度不得超过总房价款的60%,单职工最高贷款20万,双职工最高贷款40万,灵活就业人员的最高额度不得超过总房价款的50%,最高贷款20万。

3.2021年住房公积金贷款利率执行情况

 当年住房公积金贷款利率执行标准依然为2015年8月26日央行公布的年基准利率3.25%,二次公积金贷款在年基准利率的基础上上浮10%。

公积金贷款利率

指标

第一次贷款利率

第二次贷款利率

5年及以下

2.75%

3.025%

5年以上

3.25%

3.575%

)当年服务改进情况,推进住房公积金服务“跨省通办”工作情况

1.快速推进了“跨省通办”。个人住房公积金缴存贷款的信息查询、出具住房公积金缴存贷款证明以及正常退休提取公积金等8个业务事项都实现了跨省通办。

2.设立了“异地通办”专窗。在我“中心”办事大厅安排专人专窗进行办理“异地通办”业务。截至2021年底,鹰潭“中心”已办理住房公积金异地提取业务60余笔,为广大缴存职工提供了高效、优质、便捷的服务新渠道、新体验。

)当年信息化建设情况,包括信息系统升级改造情况,基础数据标准贯彻落实和结算应用系统接入情况等。

1.基础数据标准贯彻落实和结算应用系统接入情况

我“中心” 自通过了住房城乡建设部专家组的验收后,持续规范基础数据标准和优化结算应用系统接入标准。在日常工作中高度重视数据质量,依托住建部的公积金电子化检查工具,每个月进行电子化稽核。根据稽核的检查报告,对照公积金风险隐患明细表,一旦发现风险隐患点就督促相关业务科室及时进行整改,既提升了住房公积金业务数据质量,又规范了住房公积金业务管理工作。

2.做好公积金业务系统稳定运行相关的安全保障工作

(1)2021年是建党100周年,我“中心”积极参加2021年护网行动及网络安全宣传周活动,并被市委网信办表彰为网络安全宣传工作先进集体;

(2)顺利完成网络安全等级保护测评工作和公积金业务系统安全风险评估工作。此次测评和评估分别从公积金业务系统、官方网站的物理安全、数据安全及备份恢复等多个层面进行测试,公积金业务系统达到等保三级、官方网站达到二级,两项分值都处于较高水平。下一步我们将根据测评报告、风险评估和整改方案,继续完善网络安全体系、修补漏洞,有效控制风险提升防护能力,为公积金业务开展提供坚实后盾。

(3)“好差评”评价体系有效规范了窗口服务行为,提升了公积金服务水平。2021年全市公积金满意及非常满意的业务有8451个,占100%。目前在赣服通服务区已经新增开通购房提取、还款帐号变更、“还款计算器”、“逾期未还款明细查询”等33个公积金业务办理及查询事项,并建设了“赣服通”公积金特色服务专区。

)当年住房公积金管理中心及职工所获荣誉情况

1.2021年鹰潭市网络安全宣传工作优秀先进集体;   

2.2021年度鹰潭市优秀专业服务大厅;       

3.2021年鹰潭市卫生单位;   

4.2021年度鹰潭市新农村建设暨农村人居环境整治工作优秀单位;         

5.精神文明创建工作方面,继续保留了全国文明单位的荣誉。

 

 

 

 

                                                                                                                                                                       鹰潭市住房公积金管理中心

                                                                                                                                                                               2022年3月10日

 


 

 

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