长春市发展“以房养老”的障碍与对策研究

发布时间：2018-01-09 23:03

本文关键词：长春市发展“以房养老”的障碍与对策研究　出处：《东北师范大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着我国人口逐步迈向老龄化,老年人口的比例不断上升,养老问题日益凸显。随着经济的发展,家庭结构在发生变化,空巢老人不断增加,家庭养老功能日益减弱;目前,我国社会养老机制还不完善,养老金存在缺口,养老金水平也比较低,不能满足老年人的养老需求。寻求一种辅助的养老方式--“以房养老”,对于拓宽养老金渠道来源,缓解养老压力,提高老人晚年生活品质,起到一定的帮助作用。“以房养老”有广义的“以房养老”和狭义的“以房养老”。广义的“以房养老”包括,售房养老、以租养老、赠予养老等多种形式。狭义的“以房养老”专指住房反向抵押贷款,本文采用狭义的“以房养老”的概念。“以房养老”是将住房与养老两件大事融合在一起的创新的养老方式,通过这种养老方式,帮助有养老需求却没有养老金的困难老人,实现自主养老。国外,“以房养老”发展已经比较成熟,并取得了很好的效果,证明了“以房养老”是一条比较好的养老补充方式。目前,我国的文化、政治、经济、社会等方面存在着诸多制约,“以房养老”仍处于试点探索阶段,还没有在全国范围内展开。本文立足于长春市,结合长春市的实践情况,对发展“以房养老”观念上、法律政策上、房地产市场上、运作风险上等具体障碍进行分析,并结合国内外“以房养老”的实践与经验,对长春市发展“以房养老”面临的障碍,提出相应的解决对策。同时,期待能够对全国范围内开展“以房养老”提供一些借鉴作用。
[Abstract]:With the gradual aging of the population in China, the proportion of the elderly population is rising, the old-age problem is increasingly prominent. With the development of the economy, the family structure is changing, and the empty nest elderly are increasing. Family pension function is weakening day by day; At present, China's social pension mechanism is not perfect, pension gaps, pension level is relatively low, can not meet the needs of the elderly. To broaden the sources of pension channels, ease the pressure on the aged, and improve the quality of life of the elderly in old age. Play a certain role in helping. "House old-age" has a broad sense of "to house old-age" and narrow "to house old-age". The broad sense of "housing old-age care" includes, housing old-age care, to rent the old-age pension. In a narrow sense, "providing for the aged by housing" refers to the reverse mortgage of housing. This paper adopts the narrow concept of "providing for the aged by Housing". "providing for the aged by Housing" is an innovative way of providing for the aged, which combines housing with the old-age care. To help the elderly with pension needs but no pension, to achieve independent old-age support. Abroad, "to house endowment" development has been relatively mature, and achieved very good results. At present, there are many constraints in the cultural, political, economic, social and other aspects of our country, "housing endowment" is still in the pilot stage of exploration. This article is based on Changchun City, combined with the practice of Changchun City, the development of "housing endowment" concept, law and policy, the real estate market. This paper analyzes the specific obstacles to the operation risk, and combines the practice and experience of "providing for the aged by Housing" at home and abroad, and puts forward the corresponding solutions to the obstacles faced by the development of Changchun "providing for the aged by Housing". At the same time, the author puts forward the corresponding countermeasures. Looking forward to nationwide development of "housing endowment" to provide some reference role.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D669.6

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