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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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An aerial drone photo taken on Aug. 11, 2026 shows egrets in a wetland of Honghe National Nature Reserve in northeast China's Heilongjiang Province. (Photo: Xinhua)
China took a major step toward green modernization on Saturday as its landmark Ecological and Environmental Code officially came into force, strengthening the legal foundation for a more harmonious coexistence between humanity and nature.
Adopted by China's top legislature in March, the code is China's second formal statutory code after the Civil Code.
The code comprises 1,242 articles in five chapters, covering pollution control, ecological protection, and green and low-carbon development, among other areas.
As China advances its Beautiful China initiative, the code is expected to strengthen rule-of-law guarantees for ecological protection and provide fresh impetus for the country's green and low-carbon transition.
A STRONGER SHIELD FOR NATURE
Now in effect, the Ecological and Environmental Code brings together more than 30 laws, 100 administrative regulations, and 1,000 local laws and regulations through systematic integration, compilation, revision, and refinement, creating stronger legal synergy for ecological protection.
"This is a historic shift in the logic of China's ecological and environmental governance," said Qin Tianbao, a professor at Wuhan University. With the new code, China's ecological protection is moving from fragmented management toward systematic governance, Qin said.
The new code has also been welcomed by local judicial authorities across the country, who say it will have a major impact on their work.
"As the code comes into force, we have clearer guidance and a more focused approach when handling cases related to ecological, environmental and resource protection," said Xu Xufen, a judge at the Intermediate People's Court of Huzhou City in east China's Zhejiang Province.
This is because the code establishes a systematic, comprehensive and clearly structured set of legal values, which provide fundamental guidance for adjudication, Xu said.
China's ecological protection legislation has made continued progress in recent years, forming a wide-ranging, detailed and practical legal framework. However, analysts note that some obstacles remain, including fragmentation among different laws and regulations.
The code can help resolve legal conflicts and fill gaps, making the country's ecological and environmental legal system more integrated and coordinated, and better able to keep pace with the times, said Yu Wenxuan, a professor at the China University of Political Science and Law.
The strengthened legal framework comes alongside years of efforts that have produced key environmental gains. Some innovative explorations include the river, lake and forest chief systems, as well as central environmental protection inspections, which have all been included into the code.
Such efforts have led to major changes in China's ecological protection, with key indicators continuing to improve. In 2025, the average PM2.5 concentration in major Chinese cities fell to 28 micrograms per cubic meter, while the proportion of days with good air quality reached 89.3 percent, both the best levels since monitoring began. China has become one of the countries with the fastest improvement in air quality in the world.
By the end of 2025, China's national forest coverage rate had exceeded 25 percent. Since the beginning of this century, about one quarter of the world's newly afforested areas have come from China. The country has recorded the world's largest and fastest growth in forest resources.
Looking ahead, China has mapped out the next stage of its ecological protection drive. In July, the State Council issued a plan for building a Beautiful China during the 15th Five-Year Plan period (2026-2030), setting out the overall requirements, targets, key tasks and major projects for comprehensively advancing the initiative.
According to the plan, by 2030, China will achieve an overall improvement in ecological and environmental quality and make significant progress toward building a Beautiful China, with green production and lifestyles largely established and the carbon peaking target reached on schedule.
CHARTING A GREENER FUTURE
By dedicating a chapter to green and low-carbon development, the code helps bring environmental protection and economic development into closer alignment -- two goals often seen as being in tension, said Hou Jiaru, a professor at the China University of Political Science and Law.
"It combines the philosophy of development through protection and protection through development," Hou said.
In practice, China has made solid progress in advancing green development in recent years. The country has cultivated more than 8,000 national-level green factories, built the world's largest clean power supply system and largest clean steel production system, and established the world's largest carbon emissions trading market.
Echoing the spirit of the new code, China's outline of its 15th Five-Year Plan (2026-2030) prioritizes accelerating the comprehensive green transition of economic and social development, calling for faster progress in shaping green modes of production and day-to-day life.
China has also sought to share its green development experience with the world, contributing Chinese solutions to global ecological protection and sustainable development.
In Egypt, for example, a water-saving terraced farming model introduced from China has been replicated, helping conserve water and support agriculture in the mountainous areas of the Sinai Peninsula. In Saudi Arabia, China's photovoltaic technology is helping the Middle Eastern country harness desert sunshine for solar power, offering a practical path toward clean energy transition.
As the code takes effect, China's green modernization drive is gaining not only a stronger legal foundation at home, but also broader relevance for global sustainable development in an era when fragmented legislation is increasingly inadequate for addressing complex environmental challenges.
To this end, the code includes specific provisions on international cooperation, calling on China to strengthen collaboration on ecological and environmental protection, fulfill its obligations under international treaties it has concluded or joined, and promote cooperation in addressing climate change.
Analysts say that the code marks a significant transition for China in global environmental governance, from participant to leader, while offering a legislative model for the world, especially developing countries.
In particular, the code's integrated approach to pollution prevention, ecological protection and green, low-carbon development -- all key issues on the global agenda, represents an important technical contribution to global legislative practice, said Qin.
"The code sends a clear signal to the international community: China is firmly advancing ecological priority and green development in accordance with the rule of law, and is willing to work with countries around the world to build a clean and beautiful world," he added.
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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。当前，住房公积金制度运行面临新的形势。

C | 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。

F | 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。”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。

G | 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。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。”“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。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。

H | 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。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。