【作者】 赵慧；

【导师】 齐晓安；

【作者基本信息】 东北师范大学 ， 马克思主义中国化研究， 2013， 硕士

【摘要】 随着中国人口老龄化问题的不断显现，养老问题越来越受到社会各界的高度关注。目前，我国的社会养老金存在较大缺口，社会保障体系面临着严峻的挑战。在现有的养老保障制度和体系背景下，传统的家庭养老和社会养老都面临着巨大的压力，迫切需要寻求新的养老途径来应对我国老龄化危机。2011年9月，全国政协在“大力发展我国的养老事业”提案中，银监会负责人表示，许多国家采取以房养老模式来应对老龄化危机，银监会支持并展开以房养老专业调研。同时，《北京市“一二五”时期老龄事业发展规划》提出，鼓励商业保险企业、商业银行、住房公积金等管理机构等部门开展以房养老试点业务。在这种背景下，合理的借鉴国外以房养老模式的发展经验，开发出具有中国特色的以房养老模式，对于缓解我国老龄化危机，使老人安享晚年无疑具有重要的现实意义。论文共四部分，第一部分介绍了以房养老的含义和基本特征，分析了我国发展以房养老的现实意义。第二部分探讨了以房养老在我国的发展现状、存在问题及可行性。第三部分研究了国外发展以房养老的经验及对我国的经验启示。第四部分结合我国的实际情况提出了发展以房养老的对策建议。更多还原

【Abstract】 Evident as the aging issue in China is, people from all walks exert more focus onhow to lead a constant and comfortable life for the aged. Currently, our nation lacks ofpensions to support the aged and therefore, social welfare system is facing greatchallenge. Prevailing approaches fail to work and new methods are in urgent demandto tackle the issue. According to the proposal named promoting the enterprise for theaged, many countries once adept reverse mortgage to settle this problem. In addition,the supervision committee of banking system claims that research on reversemortgage is warranted. Meanwhile, as is stated in the twelfth five-year plan of Beijingin terms of aging issue, government encourages commercial insurance enterprises,commercial banks and other organizations to take a try on this newly rising business.Therefore, it is significant to develop featured mode of reverse mortgage in Chinawith reference to the experience abroad so as to alleviate the aging crisis and ensurethe aged to lead a comfortable life.This essay analyses the definition, basic feature and significance of reversemortgage with reference to foreign experiences in this aspect. Also, this essay presentsthe current condition of this approach, explores its problem and practicality, and offerssuggestions to this mode based on the current condition of China.更多还原