【摘要】 我国正快速步入老龄化社会,养老压力日益突出,传统养老模式已不能满足市场经济条件下人们对养老的需求。作为避免老龄化危机的有效途径,反向抵押贷款在美国取得了巨大的成功。文章分析了在我国实施反向抵押贷款的必要性和可行性,并指出了存在的风险。更多还原

【Abstract】 With the rapid population aging in China,the pressure of supporting the old comes to be a big issue.The traditional models cannot meet the requests under market-oriented economy conditions.Reverse mortgage,which is another effective way to avert the old age crisis,has achieved a great success in America.This paper not only analyses the necessity and the feasibility for carrying out the reverse mortgage,but also points out its existing risks.更多还原