The housing provident fund （HPF） system is an important component of China’s housing system，and it has played an important role in promoting the market-oriented reform of urban housing and promoting urban workers’ housing consumption. During the “13th Five-Year Plan” period，China’s HPF maintained a steady and progressive development trend，especially effectively overcoming the negative impact of the Covid-19 epidemic，showing development stamina and institutional resilience. The HPF has achieved remarkable development results in the collection of funds，the use of funds，risk management and control，information construction，etc. After 30-year’s of development，the HPF has become an important source of funds for employees to solve housing problems，has become an important part of China’s housing financial system，as well as an important support fund for housing security. During the “14th Five-Year Plan” period and even a longer period of time，it is still necessary to further reform and improve the HPF system，improve its deposit，use，management and operation mechanisms，and scientifically promote the innovation under the exploration of new models of housing development.