中国商业银行开展住房反向抵押贷款模式研究

发布时间：2018-02-03 01:03

本文关键词： 以房养老反向抵押贷款商业银行　出处：《暨南大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国“人口老龄化”的问题日益严峻，“养老危机”步步逼近，我国亟需进行养老方式的创新，而发达国家已较为成熟的住房反向抵押贷款业务，无疑提供了一条可资参考的创新之路。基于此，本文针对中国商业银行在未来进行住房反向抵押贷款业务的推广运营模式进行了一定的研究。本文从我国开办住房反向抵押贷款业务的现状入手，分析了近年来，多个试点失败的原因。后以美国为案例，对美国开展住房反向抵押贷款业务的历史进程、产品结构、运作流程及运营模式进行了介绍与分析，以期能够汲取我国开办该项业务时可以借鉴的经验。通过中美经验的对比分析，本文针对我国国情及其特殊的市场、企业环境，对国内商业银行推行住房反向抵押贷款业务的模式进行了初步的构想，并提出了一些我们存在，而美国在开办该项业务时不曾遇到的问题与障碍，最后提出了部分克服障碍的思路。通过研究，本文主要得出以下两点结论：一、我国具备与美国相似的市场条件，并能够参照美国，选择商业银行作为该项业务的运营主体。二、对我国商业银行推行住房反向抵押贷款业务模式提出了以下基本观点：国内商业银行在推行住房反向抵押贷款时，，应采取渐进式的策略，逐步拓展业务深度与市场广度。大致可总结为：试点阶段，市场不确定性较大，采取试点单位试点地区的方式控制风险，积累运营经验，随着市场的逐步拓展，业务流程的逐渐成熟，相继可以与政府、保险公司合作，最后为加强该项业务的资产流动性，可逐步发展住房反向抵押贷款二级市场，实现其资产证券化。住房反向抵押贷款业务是一个新的产业结合点和发展机遇。展开对它的研究，能够对我国养老方式的创新起到较大的促进作用，进一步完善我国的养老保障制度，让我们以更广阔的视角看待我国养老保障问题。
[Abstract]:With the increasingly serious problem of "population aging" in our country, the "old-age crisis" is approaching step by step, and our country urgently needs to carry on the innovation of the old-age support mode, but the developed country already more mature housing reverse mortgage loan service. Undoubtedly, it provides a new way for reference. Based on this, this paper makes a certain research on the promotion and operation mode of Chinese commercial banks' housing reverse mortgage loan business in the future. This paper starts with the current situation of China's housing reverse mortgage business, and analyzes the reasons for the failure of many pilot projects in recent years. Then, taking the United States as a case, the historical process of developing the housing reverse mortgage business in the United States is analyzed. The product structure, operation process and operation mode are introduced and analyzed in order to draw lessons from the experience of our country when we start the business, and through the comparative analysis of the experience between China and the United States. According to the situation of our country and its special market and enterprise environment, this paper has carried on the preliminary conception to the domestic commercial bank to carry on the housing reverse mortgage loan service pattern, and has proposed some our existence. The problems and obstacles that the United States did not encounter in the course of starting this business were put forward in the end, and some ideas of overcoming the obstacles were put forward. Through the research, this paper mainly draws the following two conclusions: first, China has similar market conditions with the United States, and can refer to the United States, select commercial banks as the main operation of the business. This paper puts forward the following basic points of view: the domestic commercial banks should adopt the gradual strategy when carrying out the reverse mortgage loan of housing. Gradually expand the depth of business and market breadth. Can be summarized as: pilot phase, market uncertainty, adopt the pilot unit pilot areas to control the risk, accumulate operational experience, with the gradual expansion of the market. With the maturity of business process, we can cooperate with government and insurance company one after another. Finally, in order to strengthen the liquidity of this business, we can gradually develop the secondary market of housing reverse mortgage and realize its asset securitization. Housing reverse mortgage loan business is a new industry combination and development opportunities. The research on it can promote the innovation of pension mode in China. Further improve our pension security system, let us look at our pension security from a broader perspective.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.45

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