“以房养老”在新疆哈密市试行的可行性研究

发布时间：2018-03-14 20:45

本文选题：“以房养老”　切入点：反向抵押　出处：《新疆农业大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着我国人口老龄化社会特征的日益明显,如何保障老年人经济社会权益成为了社会各界所普遍关注的课题。然而我国目前的养老保障体系并不能覆盖所有的老年人群体,并且社会养老资金捉襟见肘,与我国人口老龄化的格局不相适应。因此,如何积极采取各种有效手段,开拓养老保障资金来源的新渠道,更好地实现养老的目标,国家和社会、家庭都非常重视。作为欠发达地区的新疆哈密市是否具有开展“以房养老”的可行性,如果具有可行性,该市应当的“以房养老”政策应当采取何种模式进行,这均是值得研究的问题。本文就是从上述问题出发,试图为哈密市“以房养老”政策的实施提供理论指导。本文除绪论和结论外,可以分为四个部分:第一部分,“以房养老”的基础理论,主要阐述了“以房养老”政策的概念、理论依据。第二部分,主要比较分析了国内外“以房养老”的基本模式,对于美国、英国、日本、新加坡所实行的“以房养老”政策措施进行了考察,同时分析了国内四种养老模式的概况及其利弊。第三部分,哈密市开展“以房养老”政策的可行性论证,从经济发展水平、人口老龄化程度、住房拥有状况、政策法律规定等维度分析了哈密市试行该政策的必要性和可行性。第四部分,哈密市实施“以房养老”的方案设计以及哈密市推行“以房养老”可能面临的风险及其防范对策。通过全文分析论证可得出结论:哈密具备了推行“以房养老”的基本条件,但盲目采用不适合当地具体情况的模式必然行不通。本文认为,以市场为主体,政府为政策导向和监管主体的“反向抵押模式”较为适合,并具有实际操作的可能性。
[Abstract]:With the increasingly obvious social characteristics of aging population in China, how to protect the economic and social rights and interests of the elderly has become a common concern of the society. However, the current old-age security system in China cannot cover all groups of the elderly. Therefore, how to take all kinds of effective measures to open up new channels of old-age security funds, better realize the goal of pension, the country and society, Families attach great importance to it. Does Hami City, Xinjiang, as an underdeveloped region, have the feasibility of "providing for the aged by Housing", and if so, what kind of model should be adopted in the policy of "providing for the aged by Housing" in the city? This paper tries to provide theoretical guidance for the implementation of the policy of "providing for the aged by Housing" in the city of Hami. In addition to the introduction and conclusion, this paper is intended to provide theoretical guidance for the implementation of the policy of "providing for the aged by Housing". It can be divided into four parts: the first part, the basic theory of "providing for the aged by Housing", mainly expounds the concept and theoretical basis of the policy of "providing for the aged by Housing". The second part, mainly compares and analyzes the basic mode of "providing for the aged by Housing" at home and abroad. This paper investigates the policy and measures of "providing for the aged by Housing" implemented by the United States, the United Kingdom, Japan and Singapore, and analyzes the general situation of the four types of old-age pension in China and their advantages and disadvantages. Part three, This paper demonstrates the feasibility of carrying out the policy of "providing for the aged by Housing" in Hami City, analyzes the necessity and feasibility of carrying out the policy from the aspects of economic development level, the degree of aging population, the status of housing ownership, and the policy and legal provisions. Part 4th, The scheme design of "providing for the aged by Housing" in Hami City and the possible risks and preventive measures to implement "providing for the aged by Housing" in Hami City are discussed. Through the analysis and argumentation of the full text, it can be concluded that Hami has the basic conditions for implementing "providing for the aged by Housing". However, blindly adopting the model which is not suitable for the local concrete situation will not work. This paper holds that the "reverse mortgage mode", which takes the market as the main body and the government as the policy direction and the supervision body, is more suitable and has the possibility of practical operation.
【学位授予单位】：新疆农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D669.6;F299.23

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