“以房养老”的本质及其运行机制研究

发布时间：2018-03-22 01:06

本文选题：以房养老　切入点：住房反抵押贷款　出处：《苏州大学》2012年硕士论文　论文类型：学位论文

【摘要】：2011年4月,国家统计局公布的第六次全国人口普查数据显示,60岁及以上人口占我国人口总数的13.26%,人口老龄化问题十分严峻。而且,“十二五”时期,随着第一个增长高峰的到来,人口老龄化进程将进一步加快。与此同时,养老保障体系不健全,家庭结构发生深刻变化,这些都导致了全社会领域的养老问题日益凸显。为此,健全多支柱的养老保障体系,引入新的养老保障模式显得尤为必要。 “以房养老”是社会养老保障体系的重要补充,其主要运作形式是住房反抵押贷款,目前已被大多数的发达国家所采用。目前,学术界已开展我国“以房养老”模式的探索,部分城市也开始了试点。但受经济、社会、传统文化等方面的制约,我国“以房养老”的理论和实践还处在起步阶段。本文研究的核心内容是“以房养老”的本质以及“以房养老”模式在我国开展所需的各种运作机制。全文共分为五个部分：第一章为导论,明确本文的研究目的和意义,研究的思路和方法,以及理论的创新之处；第二章是本文的重点,研究了“以房养老”的本质及其理论模型；第三章具体描述了国内外“以房养老”的实践经验；第四章接着探讨我国推行“以房养老”的诸多障碍；第五章也是本文重点,在分析我国开展“以房养老”的有利因素的基础上,深入探讨了推行住房反抵押贷款需要具备的法律、行政、金融和监督机制,以及可以在我国推行“以房养老”模式的其他保障形式。
[Abstract]:In April 2011, the data of the sixth national census released by the National Bureau of Statistics showed that the population aged 60 and over accounted for 13.26 percent of the total population of our country, and the problem of population aging was very serious. Moreover, during the 12th Five-Year Plan period, with the arrival of the first growth peak, The aging process of the population will be further accelerated. At the same time, the imperfect old-age security system and the profound changes in the family structure have led to an increasingly prominent pension problem in the whole social field. The introduction of a new pension security model is particularly necessary. "providing for the aged by Housing" is an important supplement to the social old-age security system, and its main operation form is the anti-mortgage loan of housing, which has been adopted by most developed countries. At present, the academic circles have carried out the exploration of the mode of "providing for the aged by housing" in our country. Some cities have also started pilot projects, but the theory and practice of "providing for the aged by housing" is still in its infancy due to the restriction of economy, society, traditional culture and so on. The core content of this paper is the essence of "providing for the aged by Housing" and the various operational mechanisms needed for the mode of "providing for the aged by Housing" in our country. The full text is divided into five parts: chapter one is the introduction, which clarifies the purpose and significance of the research. The second chapter is the focus of this paper, which studies the essence and theoretical model of "providing for the aged by Housing", the third chapter describes the practical experience of "providing for the aged by Housing" in China and abroad. Chapter four then discusses the obstacles to the implementation of "providing for the aged by Housing" in our country. Chapter V is also the focus of this paper, on the basis of analyzing the favorable factors of "providing for the aged by Housing" in our country. This paper probes into the legal, administrative, financial and supervisory mechanisms necessary to carry out the housing anti-mortgage loan, as well as other forms of security which can be implemented in our country in the mode of "housing for the aged".
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4;D669.6;F293.3

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