我国住房反向抵押养老保险发展研究

发布时间：2018-06-02 17:44

本文选题：人口老龄化 + 住房反向抵押养老保险　；参考：《河北大学》2017年硕士论文

【摘要】：目前我国正处于快速老龄化阶段,我国的社会养老保障体系和传统的家庭养老模式都面临着严峻的挑战,何以养老成为了我国亟待解决的问题。住房反向抵押养老保险为解决该问题提供了一种新的途径。目前,我国住房反向抵押养老保险还处于试点探索阶段,在试点运行的过程中取得了初步的成绩,也遇到了许多问题。本文首先对住房反向抵押养老保险及相关理论进行了阐述。其次,介绍了我国住房反向抵押养老保险的试点运行情况,通过实际调研以及查阅相关资料,从我国住房反向抵押养老保险的市场需求和供给两个方面对我国住房反向抵押养老保险的发展现状进行分析。再次,从需求、供给、宏观政策和市场环境四个层面深度剖析我国住房反向抵押养老保险在发展过程中存在的问题和挑战。最后,结合美国、加拿大、新加坡的实践经验,根据需求、供给、宏观政策和市场环境四个层面的问题提出了逐渐改变传统观念,创新产品、防范风险,健全保障机制、完善政策法规,逐步改善市场环境的对策建议。
[Abstract]:At present, our country is in the stage of rapid aging, the social security system and the traditional family pension model are facing severe challenges, how to provide for the aged has become a problem to be solved urgently in our country. Housing reverse mortgage endowment insurance provides a new way to solve this problem. At present, China's housing reverse mortgage pension insurance is still in the stage of pilot exploration, in the process of pilot operation has made preliminary achievements, but also encountered many problems. This article first of all to housing reverse mortgage endowment insurance and related theory has carried on the elaboration. Secondly, it introduces the pilot operation of China's housing reverse mortgage pension insurance, through actual research and reference to relevant materials, This paper analyzes the present situation of China's housing reverse mortgage old-age insurance from the two aspects of market demand and supply. Thirdly, from four aspects of demand, supply, macro policy and market environment, this paper analyzes the problems and challenges existing in the development of China's housing reverse mortgage endowment insurance. Finally, combined with the practical experience of the United States, Canada and Singapore, according to the four aspects of demand, supply, macro policy and market environment, the paper puts forward gradually changing traditional ideas, innovating products, preventing risks, and perfecting the safeguard mechanism. Improve policies and regulations, step by step improve the market environment countermeasures and suggestions.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.67;F299.23

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