我国住房反向抵押贷款养老方式研究.pdf.pdf 全文免费在线阅读

  本文关键词：我国住房反向抵押贷款养老方式研究，由笔耕文化传播整理发布。

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单位代码 10475学号 104753100152分类号 C979硕士学位论文我国住房反向抵押贷款养老方式研究学科、专业: 社会保障研究方向: 社会保障理论与政策申请学位类别: 管理学硕士申请人: 蒋亚军指导教师: 刘迎霞副教授二〇一三年五月Analysis of Path Dependency in theInstitutional Change of Administrative OfficialConsuming System in ChinaA Dissertation Submitted tothe Graduate School of Henan Universityin Partial Fulfillment of the Requirementsfor the Degree ofMaster of ManagementByJiang YajunSupervisor: Prof .Liu YingxiaDate :May, 2013 2013 年 5 月 12 日I摘要伴随着老龄化的到来,我国面临着日益加剧的养老压力,传统的“家庭养老”和“社会保障养老”难以对老年人提供完全的养老保障。创新养老方式,寻求可行的养老新途径,增强老年人的自我保障能力,成为亟待解决的现实性问题。住房反向抵押贷款,又称“逆抵押贷款”、“住房倒按揭”,是在养老资源短缺背景下,遵循“以房养老”理念开发的一种新型养老方式,是对传统的“养儿防老”和“票子防老”的有益补充。在界定住房反向抵押贷款养老方式内涵与相关理论的基础上,分析了我国推行住房反向抵押贷款养老方式的必要性和可行性,认为老龄化人口数量攀升且高龄化趋势明显、社会养老保障不健全且养老资源不足、传统的家庭养老功能弱化是推行住房反向抵押贷款养老方式的动因,而住房制度改革引致的居民住房自有率逐步提高、金融机构运作资金来源充足、房地产二级市场日趋完善、居民家庭理念逐渐改变为我国推行住房反向抵押贷款养老方式提供了基础性条件。现阶段我国部分地区已开始“以房养老”实践的探索,主要有南京“以房换养”模式、上海“以房自助养老”模式、北京“养老房屋银行”模式、中信银行“养老按揭”模式。这些探索都遭遇到很大阻力,尚未取得预期效果。我国推行住房反向抵押贷款养老方式,当前主要面临着传统养老和消费观念的阻力、金融业分业经营的局限、承办主体的缺位、现行土地政策的束缚等障碍。美国、英国等发达国家住房反向抵押贷款的成功实践给我国诸多启示:住房反向抵押贷款养老方式的推行离不开政府的支持,需要强化风险控制,产品形式可以更加多样化。在比较政府公营、市场私营和政府与市场相结合三种方式的基础上认为,“政府支持、市场化运作”是当前最适合我国国情的住房反向抵押贷款养老运作方式。为此,应完善住房反向抵押贷款养老运行机制,明晰政府在推行住房反向抵押贷款中的职责,运用购买利率保险、房产价值保险,制定合适的贷款价值比例,资产负债匹配等策略规避政策性风险、信息不对称风险、利率变动风险、长寿风险、房产价值变动风险等。关键词:住房反向抵押贷款;养老方式;风险规避IIIABSTRACTWith the arrival of aging population, China is facing increasing pressure on the pension, and thetraditional “family pension” and “social security pension” is difficult for the elderly to provide full pensionprotection. Innovative pension ways, seeking feasible new pension ways, and enhancing self-protectionability of the elderly, has e a reality problem solved. Housing reverse mortgage, also known as the“reverse mortgage” and “housing reverse mortgage”, is a new type of pension, which develops following tothe “Housing Endowment” concept in the context of the aging pension shortage of resources. It is usefulsupplement for bringing up children for the purpose of being looked after in old age and using money forold age. On the basis of defining the connotation of reverse mortgage endowment way and analyzing itstheoretical basis, this paper discusses the necessity and feasibility of implementation of housing reversemortgage endowment way in China. This indicates that rising aging population and the obvious aging trend,the unsound social old-age security and insufficient resources endowment, and the weakening of traditionalfamily pension function, is the reason in development housing reverse mortgage. The rising ofhomeownership rate, sufficient financial capital, maturing secondary real estate market and the graduallychanging of housing concept, provides the basic conditions to implement the housing reverse mortgage.At present, some of China’s provinces have begun to explore the practice of “retirement withhouse”, mainly formed four modes, such as room-for-raising mode in Nanjing, room buffet pension modei

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  本文关键词：我国住房反向抵押贷款养老方式研究，，由笔耕文化传播整理发布。