【作者】 周精灵；

【导师】 黎玉柱；

【作者基本信息】 武汉科技大学 ， 社会保障， 2007， 硕士

【副题名】我国城市居民补充养老保险的可能途径研究

【摘要】 随着人口老龄化的急速加剧,传统的家庭养老和正在改革的社会养老面临沉重负担,形势日益严峻,因此,探索适合我国国情的新的养老模式势在必行。本文在借鉴美国反向抵押贷款的基础上,提出了“以房养老”的新模式,即在中国发展住房反向抵押贷款,使老人在享有住房使用权的同时,将住房资产提前变现消费,增加退休收入,通过住房更好地实现自我养老。这不仅有利于缓解家庭和社会养老压力,更有利于提高老年人晚年生活质量。住房反向抵押贷款在美国已经是被证明是一种成熟的金融产品,在我国也将有广阔的前景和市场需求。本文的目的就在于对这个问题进行一些初步的探讨,本文共分为六章:第一章为引论;第二章为住房反向抵押贷款概述,详细分析了住房反向抵押贷款的具体涵义;第三章以美国为例,介绍了美国住房反向抵押贷款的运行情况,并总结了其成功经验以及存在的主要问题;第四章详细分析了我国发展住房反向抵押贷款的现实条件,其中包括我国发展住房反向抵押贷款的迫切性、意义、可行性、面临的主要障碍以及市场前景预测;第五章提出了笔者个人关于我国发展住房反向抵押贷款的组织模式和运行机制的建议;最后一章提出了对我国发展住房反向抵押贷款可能面临的风险及其防范和解决措施。更多还原

【Abstract】 Along with the aging of the population increases rapidly, the traditional family pension and the reforming social pension is facing heavy burden, the situation is day by day stern, therefore, the new pension model which suited to China’s national conditions must be done. In this paper, on the basis of the US reverse mortgage, proposed the new model of pension which is“House-for-pension”, it means to develop housing reverse mortgage loan in China, the old can still live in the room, at the same time, the assets of the house can realized earlier to consume, the retirement income increases, the aged can live better through their houses. It is not only useful to alleviate the family and society pressure, but also be conductive to improve the quality of life of older persons. Housing reverse mortgage loan has been proved to be a mature financial product in US, it will also have a broad prospect and market demand in our country.The purpose of this paper is to do some preliminary discussions on this issue. The paper is divided into six chapters: Chapter One is the introduction ; Chapter Two is the overview of housing reverse mortgage loan, giving a detailed analysis of the specific meaning ; In Chapter Three, it takes the United States as an example, introducing the situation of the American housing reverse mortgage loan, and summarizing the successful experience and the main problems ; Chapter Four multianalyzies the actual conditions of developing housing reverse mortgage loan in our country, including the urgency, the significance ,the feasibility , the facing obstacles and the forecast of developing housing reverse mortgage loan in our country; Chapter Five proposes the author’s personal opinions of the organizational model and the operational mechanisms of the development of the housing reverse mortgage loan in China ; The last Chapter points out the guard and the solution measure to different risks which our country’s development of housing reverse mortgage loan may face.更多还原