我国推行住房反向抵押贷款的影响因素研究

发布时间：2018-06-30 00:28

本文选题：人口老龄化 + 养老制度补充　；参考：《新疆财经大学》2014年硕士论文

【摘要】：2013年9月13日，国务院印发了《关于加快发展养老服务业的若干意见》一文，在文章中指出了我国要“开展住房反向抵押贷款养老保险试点”，并计划于2014年上半年进行试行推广。这一举动，引发了舆论的一系列关注。所谓“住房反向抵押贷款养老保险”在国际上并不是什么新鲜事，简单来讲，，就是“以房养老”模式，指老年人将自己的房产抵押给银行、保险等金融机构，从而获得一定数额养老金的养老方式，而在老人去世后，金融机构将收回抵押住房的使用权。这一方式已经成为世界上许多国家养老制度的重要补充机制。本文就是在这一前提下展开研究的。本文分为六个部分，在绪论中，本文对我国开展住房反向抵押贷款的背景进行了介绍，并梳理了国内外对于住房反向抵押贷款的研究现状，总结提出了可能的研究方向。第一章从住房反向抵押贷款提出的重要前提——人口老龄化出发，分析了我国现阶段老龄化的现状及影响，提出住房反向抵押贷款是解决养老问题的重要方式之一；并在最后回顾了住房反向抵押贷款的理论依据。这一章为其后各章提供了研究的背景及理论支撑。第二章则从国际上的先进经验出发，主要总结了美国、加拿大、英国、日本、新加坡的住房反向抵押贷款的发展模式，并总结分析了我国与西方发达国家推行住房反向抵押贷款环境的异同，以期对住房反向抵押贷款在我国的推行提出一点启示。第三章主要从我国推行住房反向抵押贷款的迫切性及可行性出发，分析了我国推行住房反向抵押贷款的意义及主要影响因素，并得出结论：住房反向抵押贷款的推行，在我国具有一定的现实土壤。第四章运用统计学的方法，针对第三章中提出的影响因素进行统计分析，得出我国推行住房反向抵押贷款的梯度发展策略。第五章对于全文进行总结，首先提出我国在推行住房反向抵押贷款的过程中还可能面临的障碍，而后结合之前的影响因素分析，提出了相应的对策建议。
[Abstract]:On September 13 , 2013 , the State Council issued a number of opinions on speeding up the development of the old - age service industry . In the article , the State Council issued a series of concerns about accelerating the development of the old - age pension service industry . In the first half of 2014 , the State Council pointed out a series of concerns of public opinion .

This paper is divided into six parts , in the introduction , this paper introduces the background of the housing reverse mortgage loan in our country , and sorts out the research situation of the home and abroad research on the reverse mortgage loan at home and abroad , and summarizes the possible research direction .

Chapter One analyzes the current situation and influence of aging in our country from the important precondition of housing reverse mortgage loan , and puts forward that housing reverse mortgage loan is one of the important ways to solve the old - age problem .
Finally , the paper reviews the theoretical basis of the housing reverse mortgage loan . This chapter provides the background and theoretical support of the research in the subsequent chapters .

The second chapter summarizes the development model of the housing reverse mortgage loan in the United States , Canada , Britain , Japan and Singapore , and summarizes the similarities and differences between China and the developed countries in implementing the housing reverse mortgage loan environment , with a view to giving a little inspiration to the implementation of the housing reverse mortgage loan in our country .

Chapter three analyzes the significance and main influencing factors of the housing reverse mortgage loan in our country , and concludes that the implementation of the housing reverse mortgage loan has some realistic soil in our country .

The fourth chapter applies the statistical method to analyze the influencing factors mentioned in the third chapter , and obtains the strategy of developing the gradient development of the housing reverse mortgage loan in China .

The fifth chapter summarizes the whole text , first puts forward the obstacles that the country may face in the course of implementing the housing reverse mortgage loan , and then analyzes the influencing factors before it , and puts forward the corresponding countermeasures .
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.23;F832.4

【参考文献】