我国住房反向抵押养老保险市场环境研究

发布时间：2018-01-16 16:22

本文关键词：我国住房反向抵押养老保险市场环境研究　出处：《首都经济贸易大学》2014年硕士论文　论文类型：学位论文

【摘要】：住房反向抵押养老保险在一些发达国家的养老保障体系中发挥着重要作用，在我国，住房反向抵押养老保险仍是一种新型的养老模式，在试点过程中出现了一些问题，，例如老年人不信任、子女不支持等。这些问题与外部环境密切相关，因此研究其市场环境的影响尤为重要。因此，本文试图从政治、经济、社会、技术四大宏观市场环境、以及微观的供需双方角度，来深入探讨我国开展该险种的外部环境，同时，通过对国外该产品先进经验的梳理，提出我国的发展对策。本文第一章阐述了选题背景以及选题意义，对国内外学者在住房反向抵押养老领域的相关研究进行综述，并介绍本文的研究框架和创新点。第二章力图介绍我国住房反向抵押养老保险的现状和存在问题。第三章利用PEST模型，深入分析了我国住房反向抵押养老保险相关的宏观环境，阐述了该险种在外部宏观环境上的利好和困境。第四章中针对我国住房反向抵押养老保险的微观环境进行分析，从供需双方两个角度，找出制约和影响该险种发展的因素。第五章介绍了国外开展住房反向抵押养老保险的经验，尤其对美国的外部环境进行了分析。第六章针对前文提出的外部环境障碍，提出了加强政府宏观政策支持、强化住房反向抵押养老的宣传和文化培养等相关对策。
[Abstract]:Housing reverse mortgage endowment insurance plays an important role in some developed countries' pension security system. In China, housing reverse mortgage pension insurance is still a new pension model. A number of problems have emerged in the pilot process, such as mistrust among older persons, lack of support from children, etc. These issues are closely related to the external environment, so it is particularly important to study the impact of their market environment... This paper attempts to explore the external environment of the insurance in China from the political, economic, social and technological aspects of the macro market environment, as well as from the perspective of the micro supply and demand, and at the same time. Through combing the advanced experience of this product abroad, the development countermeasures of our country are put forward. The first chapter describes the background and significance of the topic, and summarizes the domestic and foreign scholars in the field of housing reverse mortgage pension research. The second chapter tries to introduce the current situation and existing problems of China's housing reverse mortgage endowment insurance. The third chapter uses PEST model. It deeply analyzes the macro environment related to the housing reverse mortgage endowment insurance in China. Chapter 4th analyzes the micro-environment of China's housing reverse mortgage old-age insurance from the point of view of both supply and demand. Find out the factors that restrict and influence the development of the insurance. Chapter 5th introduces the experience of developing the reverse mortgage endowment insurance abroad. In particular, the external environment of the United States is analyzed. Chapter 6th puts forward to strengthen the government macro-policy support for the external environmental obstacles put forward above. Strengthen the housing reverse mortgage pension publicity and cultural training and other relevant countermeasures.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.67;F299.23

【引证文献】