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[The source of funds and management of housing pensions can also refer to the residents' pensions. Feng Bo said that housing pensions should adhere to the multi-channel fundraising of "individuals + government + society + enterprises", and be managed in different accounts according to different fundraising channels, and ultimately achieve "multi-level, multi-pillar, and sustainable".]

The concept of "housing pension" has been formally proposed for two years, but the country has not yet put forward clear implementation plans or guidance on the main sources and uses of housing pension funds, management models, value-added operation mechanisms, etc. In order to explore some operational and replicable experience paths in the early stages of system construction, the Ministry of Housing and Urban-Rural Development recently revealed that 22 cities including Shanghai are currently piloting.

"We will study and establish systems for housing physical examinations, housing pensions, and housing insurance, and build a long-term mechanism for housing safety management throughout the entire life cycle. Currently, 22 cities including Shanghai are carrying out pilot projects. Speaking specifically about housing pensions, personal accounts already have funds through the payment of special residential maintenance funds. The focus of the pilot project is for the government to establish a public account." Dong Jianguo, Vice Minister of the Ministry of Housing and Urban-Rural Development, said at a press conference held by the State Council Information Office recently.

Chen Shuyun, vice dean of the School of Economics and Business Administration at Central China Normal University, is one of the experts who participated in the research on the "housing pension system" earlier. She told the reporter of China Business News that after the collapse of a self-built house in a certain place in 2022, housing safety management has become an important issue of social concern, and residential safety management has shifted towards "pre-prevention". Subsequently, the three systems of housing physical examination, housing pension, and housing insurance were proposed for the first time, in order to establish a long-term mechanism for housing safety management with Chinese characteristics.

Among the three systems of housing safety management, the housing pension system provides stable financial protection for regular housing checkups and housing safety insurance. Chen Shuyun believes that the housing pension is a new system with Chinese characteristics, with a government-led public account playing a bottom-line role. From the perspective of overseas housing maintenance fund systems and practices, in Singapore, Japan, and many European and American countries, the government does not directly participate in the specific affairs of raising and using housing maintenance funds, but mainly relies on indirect supervision and assistance.