住房反向抵押贷款在我国商业银行的实践研究

发布时间：2018-03-02 06:34

本文关键词： 反向抵押贷款贷款流程贷款定价风险防范　出处：《广西大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着我国老龄化的加剧,60岁以上人口达到了13.26%,而社会发展使得“空巢”老人增多,政府养老逐渐透支,“未富先老”成为我国社会经济发展的一大难题。为满足日益增长的养老需求,人们开始多渠道思考,关注住房反向抵押贷款。住房反向抵押贷款既可以作为我国养老需求的有效补充,改善老年人的生活质量,也作为金融机构拓宽投资的渠道,提高闲置资金的使用效率,还可以刺激我国房地产市场的进一步改革,具有重要的实际意义。然而因其业务的特殊性和我国居民的思想观念束缚,发展面临着诸多风险和困难,接受程度仍然很低。研究我国商业银行住房反向抵押贷款业务的方案设计,可以对这一业务有更全面的了解,有助于反向抵押贷款业务在我国的推广。本文在大量阅读国内外文献资料的基础上,按照从理论到实践的逻辑次序安排,以科学的理论为指导,全面了解反向抵押贷款,探讨将反向住房抵押贷款引入我国金融市场的必要性。然后,引入国内外实际案例,借鉴国外的成功经验,并认真分析我国住房反向抵押贷款现状。结合我国体制和经济文化发展程度,深入思考我国反向抵押贷款的主要阻碍因素。结合我国实际市场需求,为商业银行开展这一新型金融服务进行方案设计,包括模式定位、相关各方的作用、支付方式、具体流程等,对参与反向抵押贷款业务的机构进行全面的定位分析,明确责任,明晰贷款运作流程。提出反向抵押贷款证券化,为反向抵押贷款的长远发展提供空间。本文重点应用资产定价模型及期权定价理论对反向抵押贷款的定价进行了简单研究,并进行了实际验证。收集最新的数据对研究方案中的风险进行了描述性统计分析,评价风险波动,结合现状分析方案可行性,以及方案的风险收益情况,并提出相应的政策建议,为开展反向抵押贷款业务提供参考意见。
[Abstract]:With the aggravation of aging in our country, the population over 60 years old has reached 13.26, and social development has increased the number of "empty nests" old people. In order to meet the increasing demand for providing for the aged, people begin to think through many channels, because the government is gradually overdrawing for the aged and "getting old before getting rich" has become a big problem in the social and economic development of our country. Pay attention to the reverse mortgage of housing. The reverse mortgage of housing can not only be an effective supplement to the demand for the aged in our country, improve the quality of life of the elderly, but also serve as a channel for financial institutions to broaden their investment and improve the efficiency of the use of idle funds. It can also stimulate the further reform of China's real estate market, which has important practical significance. However, due to the particularity of its business and the shackles of Chinese residents' ideas and ideas, the development of real estate market faces many risks and difficulties, and the acceptance degree is still very low. To study the scheme design of the reverse mortgage loan business of commercial banks in our country, we can have a more comprehensive understanding of this business, which is helpful to the promotion of the reverse mortgage loan business in our country. According to the logical order arrangement from theory to practice, under the guidance of scientific theory, the author fully understands the reverse mortgage loan, and probes into the necessity of introducing reverse housing mortgage loan into the financial market of our country. Using the successful experience of foreign countries for reference, and analyzing the present situation of reverse mortgage loan in China, combining with the development degree of our country's system and economy and culture, we think deeply about the main hindrance factors of our country's reverse mortgage loan, and combine with the actual market demand of our country. This new financial service is designed for commercial banks, including mode positioning, the role of relevant parties, payment methods, specific processes, etc., the institutions involved in reverse mortgage business are comprehensively positioned and analyzed, and their responsibilities are clearly defined. This paper puts forward reverse mortgage securitization to provide space for the long-term development of reverse mortgage loan. This paper focuses on the application of asset pricing model and option pricing theory to carry out a simple study on reverse mortgage pricing. Finally, we collect the latest data to analyze the risk in the research project, evaluate the risk fluctuation, analyze the feasibility of the scheme, and analyze the risk return of the project. And put forward the corresponding policy recommendations for the development of reverse mortgage business to provide reference.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.45

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