Provident fund withdrawal has been formed in many places? Underground industrial chain? Even make it public? Business? . Intermediaries help individuals forge and tamper with information, and charge a certain intermediary fee, thus realizing profit. The service fee for the withdrawal of provident fund is generally 5% of the withdrawal amount, even as high as 10%.
Housing accumulation fund is a kind of social public security, but in recent years it has become a tool for some organizations and individuals to illegally seek benefits.
Illegal provident fund withdrawal intermediary flooding
Recently, reporter? Withdraw housing provident fund? On the grounds of unannounced visits to several intermediaries. Internet reporter? Take the provident fund? Search, there are hundreds of intermediary web pages that provide this service. Among them, there are many companies that specialize in extracting housing provident fund for individuals.
The reporter contacted a person who claimed to be? Provident fund withdrawal from official website? The company promised on the website? No charge if you don't succeed? According to the 400 telephone number provided by the reporter, Ms. Chen, who is in charge of wiring, told the reporter that they can provide relevant contracts and invoices, and individuals can submit applications to the unit, and then go to the bank to apply for provident fund, with an agency fee of 6%. The lady also reiterated to reporters that the invoices they provided were issued by the tax authorities in accordance with formal procedures, and the transaction would not be risky.
The reporter then contacted a company called? Beijing Provident Fund Social Security Service Center? Wang Mei, a staff member of our company, told the reporter that to withdraw 6,543.8+10,000 yuan of provident fund, you need to pay an intermediary fee of 4,000 yuan. Alipay guarantees the transaction, and there are shops on Taobao, which can provide various social security and provident fund withdrawal services at any time.
These two companies are just representatives of many online provident fund withdrawal intermediaries, and there are many similar intermediaries. In real life, many city streets, withdraw provident fund? Advertising is very common.
According to the law, housing accumulation fund can only be withdrawn under one of the following circumstances: purchase, construction, renovation and overhaul of owner-occupied housing with ownership; Retired; Completely lose the ability to work and terminate the labor relationship with the unit; Leave this country and settle down'; Repay the principal and interest of the house purchase loan; Rent exceeds the prescribed proportion of family wage income.
Whether it is housing demand or serious illness extraction, housing provident fund aims to solve the realistic livelihood needs. The rampant intermediary of provident fund withdrawal not only violates the relevant policies and regulations, but also disrupts the market order.
Expect more flexibility in the formal channel extraction.
Mr. Li, a citizen who lives in Xicheng District, Beijing, told the reporter that he had heard of many illegal provident fund withdrawal intermediaries, and he had never withdrawn them in this way because he was worried about transaction risks. Mr. Wang, who works in a large enterprise in Shandong, admitted to the reporter that when money is urgently needed, he can't raise the provident fund through formal channels and can only withdraw it through an intermediary, although he has paid it? Is it expensive? Agency fee, but after all, it solved the urgent need.
Lawyer Zheng of Beijing Zhongrun Law Firm told the reporter that the illegal withdrawal of provident fund for individuals by intermediaries may cause the disclosure of citizens' personal information and bring risks to personal funds and accounts. Personal withdrawal of provident fund through forged materials will affect the credit rating of citizens' personal provident fund. In addition, the intermediary is suspected of illegal operation, which constitutes a crime, and may also constitute the crime of forging, altering, buying and selling official documents, certificates and seals of state organs. Individuals who successfully quit through intermediaries will be punished by returning within a time limit or fines.
The reporter's investigation found that for many units, the withdrawal of provident fund depends on the purchase contract and other materials, which means that employees who need to buy a house but lack money can only watch the balance of provident fund? Sleep? , and then patchwork, get the down payment ready, and then buy a house and you can withdraw the provident fund.
Experts believe that the current phenomenon of illegal withdrawal of housing provident fund not only reflects the lax supervision of the provident fund withdrawal system, but also reflects the unreasonable restrictions on the withdrawal of provident fund. The more difficult it is for low-and middle-income people who can't afford a house to withdraw, the provident fund can only be idle for a long time, and the scope of use of many units' provident funds is narrow, almost becoming? Pension? . The problem of low utilization rate is particularly prominent.
The Third Plenary Session of the 18th CPC Central Committee explicitly called for the establishment of an open and standardized housing provident fund system and the improvement of the mechanism for the withdrawal, use and supervision of housing provident fund. While strengthening supervision, the relevant departments should also broaden the channels for the use of provident fund, and suggest relaxing the conditions for the withdrawal of provident fund to make the withdrawal and use of provident fund more humane and flexible.
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