《反抵押贷款在中国实行的局限性分析》-毕业论文设计（学术).docVIP

PAGE PAGE 反抵押贷款在中国实行的局限性分析 【摘要】:21世纪是老龄化的时代,全世界各国都不同程度上面临着人口老龄化的问题,老龄化的发展一方面使得劳动力减少,影响社会劳动力的供给,另一方面,老龄化导致的直接结构就是老年人口数量增加,社会养老负担加大,而在西方有些国家，反抵押贷款的推行,为老年人养老开拓了新途径,到目前为止,以美国为主的一些国家通过反抵押贷款的实践解决了很多老年人养老的问题. 我国的老龄化问题也相当严峻,目前我国老年人口的比例已经达到11%,据测算杭州到2015年,60岁以上人口将超过2亿,约占总人口14%,老龄化的现状和趋势不容乐观,同时我国目前社会保障体系发展不完善,辐射范围窄.在此基础上有学者提出了在杭州实行反抵押贷款. 【关键词】:反抵押贷款 反抵押贷款定价 风险 寿险公司 Abstract: 21st century is the century of the ageing of the world .all countries are faced with the problem of the ageing of the population, On one hand, the development of the ageing reducing the workforce, reduced the social labor supply, on the other hand, the direct influence of the ageing of the elder is the increased number of old people,with social burden increasing.In the western word, the implementation of reverse mortgage has opened up new avenues pension for the elderly .So far, some countries, mainly the United States, have adopted the practice of reverse mortgage loans to solve a lot of elderly pension issues. Chinas aging problem is quite sereve, at present the proportion of Chinas elderly population has reached 11 percents. It is estimated in the year of 2015, the population aged over 60 will be over 200 million, accounting for about 14% of the total population. The status and trends the ageing of are Optimistic, while Chinas current development of the social security system is imperfect, with narrow the scope of radiation. Some scholars have suggested the application of reverse mortgage loans Keywords: reverse mortgage the price about reverse mortgage the risk life insurance companies 一、国外研究情况 在美国、加拿大、新加坡、日本等国家，反向抵押贷款的实施较为成功，其中美国是最早大规模实行也是实行最成功的国家。美国对反向抵押贷款的研究从20世纪70年代就己经开始。1987年美国国会根据《住房法案(the housing Act)》推出房产转换抵押贷款(Home Equity Conversion Mortgage)示范项目以后，对于反向抵押贷款的研究逐步深入，有关的理论也逐渐成熟。 （一）美国学者对于反向抵押贷款的研究主要集中在以下几个方面 1.对反向抵押贷款市场规模及社会效应的研究 美国学者对美国反向抵押贷款的市场规模的研究主要是估计通过申请反向抵押贷款能够获益的老年人口规模及其获益程度。不同的学者使用不同的调查数据得出了不同的结论。最早对反向抵押贷款市场规模进行认真研究的是Venti和Wise(1990)，他们使用了收入与活动参与调查(the Surv