中国“以房养老”实践中的政府职能问题研究

发布时间：2018-06-20 17:50

本文选题：以房养老 + 反向抵押贷款　；参考：《黑龙江大学》2016年硕士论文

【摘要】：当前中国老龄化问题日益凸显,家庭空巢化现象逐渐严重,养老压力不断增加,“养儿防老”的功能已愈显单薄,无论对于政府还是家庭而言都产生了一定的负担。为了使更多老年人能够安享晚年,“以房养老”这一概念被引入到中国,并在北京、上海、广州、武汉四所城市付诸实践。“以房养老”,也称“反向抵押贷款”,在西方国家发展较为迅速,体系也相对完备,而在中国仍然是新生事物,社会公众对于这项业务仍持观望甚至怀疑的态度。通过对“以房养老”实践的分析,不难发现,政府在推进这一新型养老方案的工作过程中,仍然存在着诸多政府职能方面的问题:政府自身定位存在偏差,与养老事业相关的组织和职能存在交叉重复,政府对房地产市场的监管力度较差,社会养老资源和社会团体力量被浪费,对实践运行的追踪反馈力度薄弱等等,亟待解决。基于以上背景,文章着重分析了中国“以房养老”实践中政府职能方面存在的问题,在此基础上对问题产生的原因加以剖析,并提出了自己的合理化建议:首先,正确定位“以房养老”工作中的政府职能,精简与“以房养老”工作相关的职能机构的层级和工作流程,避免出现政府职能的错位、缺位、越位问题;其次,坚持简政放权的原则,对社会资源进行合理利用,集结所有社会力量推进“以房养老”实践;最后,深化“以房养老”实践中的追踪和反馈工作,及时有效地促进政府履职的科学性。相信中国“以房养老”实践的发展会随着政府职能的不断调整而惠及更多老年人,中国的养老事业也将不断完善,使老年人真正安居乐业,老有所养,老有所乐。
[Abstract]:At present, the problem of aging in China is becoming more and more serious, the phenomenon of family empty nest is becoming serious and the pressure on the old age is increasing. The function of "raising children to prevent the old" has become more and more thin, which has produced a certain burden on both the government and the family. The four cities in Beijing, Shanghai, Guangzhou and Wuhan have been put into practice. The "housing for the aged", also known as "reverse mortgage", has developed rapidly in the western countries and is relatively complete in the system, but in China it is still a new thing. The public still has a view or even doubt about this business. Through the practice of "housing for the aged" Analysis, it is not difficult to find that in the process of promoting this new pension scheme, there are still many problems in government functions: there is a deviation in the government's own positioning, the interrelated duplication of the organization and function related to the pension enterprise, the poor supervision of the government on the real estate market, the social endowment resources and the physical strength of the social group. On the basis of the above background, the article analyzes the problems existing in the government functions in the practice of "housing to the aged" in China, and analyses the causes of the problems on the basis of this, and puts forward its own rationalization proposals: first, the correct orientation is "the house". The government function in the work of the old age is to streamline the hierarchy and work flow of the functional organizations related to the work of the house for the aged, avoid the dislocation, vacancy and offside of the government functions; secondly, adhere to the principle of simplicity and decentralization, make rational use of the social resources, and gather all social forces to promote the practice of "housing for the aged"; finally, Deepening the work of tracking and feedback in the practice of "housing for the aged" and promoting the scientific performance of the government in time and effectively. It is believed that the development of the practice of "housing for the aged" will benefit more elderly people with the continuous adjustment of the government's functions, and the old-age cause in China will be constantly improved so that the elderly can live and work well, old and old, old and old. Be happy.
【学位授予单位】：黑龙江大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D669.6

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