决算式住房反抵押贷款的产品设计与运行
发布时间：2018-11-17 20:54
【摘要】：快速和高度的人口老龄化给我国社会养老带来沉重的压力。以房养老是一种很好补充手段,但相关工作多年没有实质性进展。开发切合实际的金融产品品种,增强可操作性,才能突破尴尬局面。在充分权衡各方利益、考虑各种风险的基础上,提出了一种新的以房养老金融产品——决算式住房反抵押贷款,并对其年金计算、决算与结算等具体操作和运行进行了设计和探讨。
[Abstract]:The rapid and high aging of the population brings heavy pressure to our society. Housing pension is a good supplementary means, but the relevant work has not made substantial progress for many years. Develop realistic financial product variety, enhance maneuverability, can break through awkward situation. On the basis of fully weighing the interests of all parties and considering all kinds of risks, a new financial product of housing old-age pension, the final mortgage of housing, is put forward, and its annuity is calculated. The operation and operation of final accounts and settlement are designed and discussed.
【作者单位】： 北京交通大学人文学院;
【分类号】：F293.3;F832.4
本文编号：2339010
[Abstract]:The rapid and high aging of the population brings heavy pressure to our society. Housing pension is a good supplementary means, but the relevant work has not made substantial progress for many years. Develop realistic financial product variety, enhance maneuverability, can break through awkward situation. On the basis of fully weighing the interests of all parties and considering all kinds of risks, a new financial product of housing old-age pension, the final mortgage of housing, is put forward, and its annuity is calculated. The operation and operation of final accounts and settlement are designed and discussed.
【作者单位】： 北京交通大学人文学院;
【分类号】：F293.3;F832.4
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，本文编号：2339010
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