我国银行业开展住房反向抵押贷款业务研究

发布时间：2018-09-13 11:29

【摘要】：随着国内老龄化程度的不断加深,加之社会基本保障制度的不完善,反向抵押贷款这种以房养老模式为解决部门养老问题,提供了一种新的解决途径。本文就在此背景下,围绕未来中国商业银行和保险公司合作开办反向抵押贷款的业务运作模式进行了探讨。首先,本文在国内外学者研究的基础上,介绍了国外机构反向抵押贷款业务的运作模式,以便作者在设计国内商业银行和保险公司开办此项业务运作流程时吸取经验。其次分析国内商业银行、保险公司在开办反向抵押贷款业务上的合作的可行性。最后,本文对国内银行如何开办与推行反向抵押贷款业务进行了构想,提出对于国内银行开展反向抵押贷款业务在政府给予一定政策支持的情况下,应采取商业银行和保险公司合作开发的方式,积极借鉴已在中信银行开展的反向抵押贷款经验,选择我国国有商业银行开展此项业务,使这项业务的开展风险尽可能减小,持续性较长。
[Abstract]:With the deepening of domestic aging and the imperfection of the basic social security system, reverse mortgage provides a new way to solve the problem of departmental pension. The operation mode is discussed.
Firstly, based on the research of scholars at home and abroad, this paper introduces the operation mode of reverse mortgage business in foreign institutions, so that the author can draw lessons from the experience when designing the operation process of domestic commercial banks and insurance companies.
Secondly, it analyzes the feasibility of cooperation between domestic commercial banks and insurance companies in the business of reverse mortgage.
Finally, this paper conceives how to set up and carry out the reverse mortgage business in domestic banks, and proposes that under certain policy support from the government, commercial banks and insurance companies should cooperate to develop the reverse mortgage business, and actively draw lessons from the reverse mortgage business already carried out in CITIC Bank. Loan experience, the choice of China's state-owned commercial banks to carry out this business, so that the risk of this business as far as possible to reduce the sustainability of longer.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.45

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