我国开展住房反向抵押养老保险研究

发布时间：2018-07-13 19:53

【摘要】：中国人口老龄化的快速发展已成为无可争议的事实，我国政府在继续完善社会保障体系建设的同时，提出加快发展养老服务业，鼓励金融行业在养老领域的金融产品与服务创新。住房反向抵押养老保险作为一种资产转换模式，通过释放固化在房产中的现金流提高老年人群收入水平。发展住房反向抵押养老保险，对保障与改善老年人群生活质量，促进社会稳定具有重大现实意义。本文首先采用比较借鉴、理论分析的方法，系统地论述了住房反向抵押养老保险的内涵及理论基础，通过研究住房反向抵押养老保险在发达国家的运行模式，，总结该产品发展的一般发展规律。其次，从定性分析的角度系统地阐述住房反向抵押养老保险产品在我国已具备运作的必要条件及可行条件。随后，从定量分析的角度引入住房反向抵押养老保险的趸领、年金定价模型、所得替代率模型，选取死亡率、广州市住房销售价格平均增长率等数据计算办理住房反向抵押养老保险的年金收入；进而与居民退休前年均所得相比得出“所得替代率”，以“所得替代率”指标衡量老年人退休后办理住房反向抵押养老保险提升收入水平有效性。定量分析显示老年人办理住房反向抵押养老保险后所获得的平均所得替代率可达到甚至大于目前社保养老工资替代率50.3%水平，且初始申请年龄越长的老人所得替代率越高。可见，办理住房反向抵押养老保险令老年人收入水平有实质性的提高，尤其对低收入老年群体收入水平改善明显。最后，梳理全文得出住房反向抵押养老保险可成为我国“现金贫困、房产富有”的城镇老年人实现自我养老有效补充途径的结论，并相应提出在我国发展住房反向抵押养老保险的对策建议。
[Abstract]:The rapid development of China's aging population has become an indisputable fact. While continuing to improve the construction of the social security system, the Chinese government has proposed to speed up the development of the old-age service industry. To encourage the financial industry in the field of pension financial products and services innovation. As an asset conversion model, housing reverse mortgage endowment insurance improves the income of the elderly by releasing the cash flow that solidifies in the real estate. The development of housing reverse mortgage endowment insurance is of great practical significance in ensuring and improving the quality of life of the elderly and promoting social stability. This paper firstly discusses the connotation and theoretical basis of housing reverse mortgage old-age insurance by using the method of comparative reference and theoretical analysis, and studies the operation mode of housing reverse mortgage old-age insurance in developed countries. Summarize the general law of development of this product. Secondly, from the perspective of qualitative analysis, this paper systematically expounds the necessary and feasible conditions for the operation of housing reverse mortgage old-age insurance products in China. Then, from the perspective of quantitative analysis, this paper introduces the housing reverse mortgage pension insurance, annuity pricing model, income replacement rate model, select mortality, Data such as the average growth rate of housing sales prices in Guangzhou City calculate the annuity income of housing reverse mortgage old-age insurance, and then compared with the average annual income before retirement, the "income replacement rate" is obtained. The income replacement rate is used to measure the effectiveness of applying the housing reverse mortgage pension insurance to raise the income level of the elderly after retirement. The quantitative analysis shows that the average income substitution rate of the elderly after applying for the housing reverse mortgage old-age insurance can reach or even exceed the current social security pension wage substitution rate of 50.3%, and the older the initial application age is, the higher the income replacement rate is. It is obvious that the income level of the elderly can be improved substantially by applying the housing reverse mortgage old-age insurance, especially for the low-income group. Finally, combing the full text of the housing reverse mortgage pension insurance can become our country's "cash poverty, property rich" urban elderly to achieve the effective way to supplement the self-pension. And accordingly puts forward the development in our country housing reverse mortgage endowment insurance countermeasure suggestion.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.67

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