我国“以房养老”法律制度建设研究

发布时间：2018-06-29 08:11

本文选题：以房养老 + 制度建设　；参考：《中南大学》2014年硕士论文

【摘要】：以房养老,也称为反向抵押贷款,是社会养老保障制度上的重要补充,也是英美国家为解决老龄化问题的利器。它是指拥有房屋所有权的老年人,将其房屋做抵押向贷款机构借款,同时保留房屋的居住权,贷款本息在合同期届满、房屋出售、受益人死亡时,用出售住房所得资金进行偿还的一种养老模式。其对于缓解社会老龄化危机、提高老年人物质与精神需求、促进金融行业多元化发展等方面具有积极意义。本文先从“以房养老”基本概念及其特征入手,再结合我国发展“以房养老”的社会背景,得出目前我国“以房养老”实践中存在的问题。接着,通过对比分析法,将美国、英国的“以房养老”运用实践及法律风险防范措施两方面进行深入剖析,得出针对我国构建“以房养老”制度的有益启示,最后从主体制度、风险防范制度、其他配套制度等三个方面构建契合于我国的“以房养老”制度。
[Abstract]:Housing for the aged, also known as reverse mortgage, is an important supplement to the social old-age security system, and is also a sharp weapon to solve the aging problem in the United States and the United States. It refers to an elderly person who owns a house, borrows his house as a mortgage from the loan institution, and retains the right of residence of the house. The principal and interest of the loan expire, the house is sold, and the beneficiary dies. An old age model that uses the proceeds from the sale of a house to repay. It is of great significance to alleviate the crisis of aging society, improve the material and spiritual needs of the elderly, and promote the diversified development of financial industry. This paper begins with the basic concept and characteristics of "providing for the aged by Housing", and then combines with the social background of the development of "providing for the aged by Housing" in our country, and concludes the problems existing in the practice of "providing for the aged by Housing" in our country at present. Then, by means of comparative analysis, the author deeply analyzes the practice and legal risk prevention measures of "providing for the aged by Housing" in the United States and Britain, and draws the beneficial enlightenment of constructing the system of "providing for the aged by Housing" in China, finally, from the subject system. Risk prevention system, other supporting system, etc.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D669.6;D923.2;D922.28

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