田芳 学年论文正文.doc

我国住房反向抵押贷款的可行性研究 摘要：我国人口老龄化危机正急剧加大，与我国社会保障能力软弱间的矛盾日益明显，给未来的中国社会带来了沉重的养老负担。“以房养老”模式的出现和引入对于缓解我国所面临的“养老危机”将起到重大意义，对减轻养老负担、对激活房地产交易市场、对现实社会家庭资源的合理配置、对改革家庭代际财富的传统做法都具有重大的功用和价值实现。但此项业务在我国要想全面开展且达到好的运行效果，就需要建立起相关的金融运营机制，完善制度，高效运作，消除和规避相关的风险。以此为切入点，在探讨这一业务的基本思路、理论渊源和自身特性的基础上着重研究金融机构及政府在其中可发挥的作用机制，为其今后在我国的推行提供有益的探索。 关键词：住房反向抵押贷款 以房养老 可行性 ABSTRACT The limited ability to Provide social security service brings Potential Problems to China in the aging society.The emergence and introduction of“House-For-Pension”Pattern has great significance to relieve the aging crisis.Reverse mortgages available to reduce pension burden, and improving the quality of life of elderly in their twilight years; To activate the real estate market, the promotion of new economic growth point for the formation of our country; On the social reality in the rational allocation of family resources, and maximize the effectiveness of the realization of the objectives; On the reform of family inter-generational wealth of traditional practices, the establishment of the development of the market economy relations between family members is of great usefulness and value realization.But the development and running effectly of this business in China all depends on the the establishment of financial operation mechanism,the consummation of system,the elimination and avoidance of such risks.Based on this,the article discuss basic idea,theoretical basis and characteristics of this business,to study the function of financial institutions and government who involved in the business. All this research can provide useful exploration for the business operated in future. Key words:Housing Reverse Mortgage,House-For-Pension,Feasibility 1 引言 奥地利国际应用系统分析学会研究员卢茨说过：“如果说20世纪是人口增长的世纪，那么 21 世纪将是人口老龄化的世纪”。 中国的人口转变是社会经济发展和计划生育政策共同的结果，它使得老龄化进程是世界规模最大、转变速度最快的，这给中国社会带来了诸多的挑战。养老问题已经引起政府、社会各方面的广泛关注，政府建立了多层次的社会保障制度，并大力倡导住房反向抵押贷款的养老方式作为基本养老保险制度的有益补充。但此项业务能否真正地在我国得到全面开展是我们急需解决的问题。 1.1 住房反向抵押贷款的经济学涵义 住房反向抵押贷款是以拥有住房的老年居民为放款对象，以房产作为抵押，在居住期间无需偿还，