我国住房反向抵押贷款法律制度研究

发布时间：2018-05-03 15:08

本文选题：反向抵押贷款制度 + 以房养老　；参考：《长春工业大学》2017年硕士论文

【摘要】：随着我国老龄化问题的日益加剧,我国面临着越来越大的养老压力,而传统的养老模式已经不能满足我国日益增长的养老保障压力,致使我国社会养老保障制度亟待改革。在以房养老理念席卷全球的趋势下,其中发展最为成功的住房反向抵押贷款模式成为我国改革借鉴的典范。住房反向抵押贷款属于传统抵押贷款的逆向运作,兼具金融保险性质、社会保障性质以及担保物权性质,具有较强的综合性与创新型,因此在引入国内的过程中遇到了很大的障碍与风险。本文基于我国住房反向抵押贷款制度即将推出的背景,借鉴美国、英国、新加坡、日本等国家的经验,分析和论证了作为舶来品的住房反向抵押贷款制度在本土化过程中所面临的障碍,以求为住房反向抵押贷款制度的构建提出意见和建议。本文除去绪论和结语,共分为四个部分。第一部分对住房反向抵押贷款制度的概念、法律特征、价值等方面进行探讨,并采用比较研究的方法,将住房反向抵押贷款制度与住房按揭贷款制度、一般抵押贷款制度等进行对比。第二部分系统分析了我国住房反向抵押贷款的实践现状与主要障碍,包括传统养老观念和消费观念的阻力、制度层面的障碍以及不确定性因素引发的经营风险等。第三部分主要分析了美国、英国、新加坡、日本等四个国家在住房反向抵押贷款制度上的运行模式及经验借鉴。第四部分,在借鉴国外住房反向抵押贷款制度基础上提出对我国相关制度构建的建议,首先明确住房反向抵押贷款制度构建以正确定位政府角色、优先保障养老人权益和保障金融机构权利为基本原则,其次就住房反向抵押贷款制度在我国实施的构建方案及相关配套制度构建方案进行阐述,主要包括完善住房建设用地使用制度、设置无追索权条款及增值分享条款、解除金融分业经营的条款限制,此外论述了政府承担职能的重要性。
[Abstract]:With the aggravation of the aging problem in our country, our country is facing more and more pressure for the aged. However, the traditional old-age model can not meet the increasing pressure of the old-age security in our country, which leads to the urgent reform of the social old-age security system in our country. Under the trend of the concept of housing for the aged sweeping the world, the most successful housing reverse mortgage loan model has become the model of China's reform. The reverse mortgage of housing belongs to the reverse operation of the traditional mortgage, which has the nature of financial insurance, social security and security interest, and has a strong comprehensive and innovative nature. Therefore, in the introduction of domestic process encountered great obstacles and risks. Based on the background of China's housing reverse mortgage system, this paper draws lessons from the experiences of the United States, the United Kingdom, Singapore, Japan and other countries. This paper analyzes and demonstrates the obstacles faced by the reverse mortgage system of housing in the process of localization, in order to put forward suggestions and suggestions for the construction of the reverse mortgage system of housing. Apart from the introduction and conclusion, this paper is divided into four parts. The first part discusses the concept, legal characteristics, value and so on of the reverse mortgage system of housing, and adopts the method of comparative study to make the reverse mortgage system of housing and the system of housing mortgage loan. The general mortgage loan system and so on carries on the contrast. The second part systematically analyzes the current situation and main obstacles of the practice of reverse mortgage loan in China, including the resistance of the traditional concept of the aged and the concept of consumption, the obstacle of the system level and the operating risk caused by the uncertain factors, etc. The third part mainly analyzes the operating mode and experience of the reverse mortgage loan system in the United States, Britain, Singapore and Japan. The fourth part, on the basis of drawing lessons from the foreign housing reverse mortgage loan system, puts forward some suggestions on the construction of our country's related system. First, it clarifies the housing reverse mortgage loan system construction in order to correctly position the role of the government. The basic principle of giving priority to the protection of the rights and interests of the elderly and the rights of the financial institutions is to elaborate the construction scheme of the housing reverse mortgage system in our country and the related supporting system construction plan. It mainly includes perfecting the use system of housing construction land, setting non-recourse right clause and value-added sharing clause, lifting the restriction of financial separate operation, and discussing the importance of government undertaking function.
【学位授予单位】：长春工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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