我国住房反向抵押贷款的政府责任探讨

发布时间：2018-05-17 21:52

本文选题：住房反向抵押贷款 + 政府责任　；参考：《西南交通大学》2012年硕士论文

【摘要】：住房反向抵押贷款发展至今,在国外已成为解决一部分老年人现金贫困,改善老年人福利的一款重要的房产金融产品。目前,我国住房反向抵押贷款还处于理论的论证阶段。从上世纪末至今,我国学者根据我国的实际情况从住房反向抵押贷款的运营、风险控制、实施条件及可行性等方面做了相关研究。住房反向抵押贷款在我国还是一个新生事物,在实践方面发展得相对缓慢。究其实践进程迟缓的原因在于发展住房反向抵押贷款的不确定因素很多,各关联方的参与积极性不高,尤其本应是作为住房抵押贷款的发起者和规则的制定者的政府部门和金融机构参与积极性不高。在我国,金融机构进行股份制改革后,政府在金融机构的角色是以国有控股或参股的形式存在,也就是说政府部门在金融机构中起到了主导地位。政府部门作为住房反向抵押贷款的重要参与者,但是目前广泛存在参与的广度和深度都有待进一步提高。作为社会的管理者、公共服务的提供者、公共政策的制定者和执行者,探索和发展适合我国实际需要的住房反向抵押贷款是政府落实其自身责任的重要体现。本文在我国人口老龄化的大背景下,结合住房反向抵押贷款的基本理论,从其产品特性、风险防范、业务规范等方面,对我国发展住房反向抵押贷款中的政府责任进行分析。同时结合国外的实践经验,对外国开展住房反向抵押贷款的政府责任进行梳理,提出我国发展住房反向抵押贷款政府责任的对策建议。
[Abstract]:The development of reverse mortgage has become an important real estate financial product to solve some old people's cash poverty and improve the welfare of the elderly. At present, our country housing reverse mortgage loan is still in the theoretical argumentation stage. From the end of last century to now, Chinese scholars have done some research on the operation, risk control, implementation conditions and feasibility of the reverse mortgage loan according to the actual situation of our country. Housing reverse mortgage in China is still a new thing, in practice, the development is relatively slow. The reason why the practice process is slow is that there are many uncertain factors in the development of reverse mortgage loans, and the participation enthusiasm of all related parties is not high. In particular, government departments and financial institutions, which were supposed to be the initiators and rule-setters of mortgage loans, had little incentive to participate. After the shareholding system reform of financial institutions in China, the role of government in financial institutions exists in the form of state-owned holding or equity participation, that is to say, government departments play a leading role in financial institutions. Government is an important participant in reverse mortgage, but the breadth and depth of participation need to be further improved. As the social manager, the public service provider, the public policy maker and the executor, the exploration and development of the housing reverse mortgage which suits the actual needs of our country is the important embodiment of the government to carry out its own responsibility. Under the background of aging population in our country, combining with the basic theory of housing reverse mortgage loan, this paper analyzes the government responsibility in the development of reverse housing mortgage loan in China from the aspects of product characteristics, risk prevention, business standard and so on. At the same time, combined with the practical experience of foreign countries, this paper combs the government responsibility of developing the reverse mortgage loan in foreign countries, and puts forward the countermeasures and suggestions for the development of the government responsibility of the reverse mortgage loan in our country.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.45;F299.23

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