本文關(guān)鍵詞：我國住房反向抵押貸款養(yǎng)老方式研究，由筆耕文化傳播整理發(fā)布。

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單位代碼 10475學(xué)號 104753100152分類號 C979碩士學(xué)位論文我國住房反向抵押貸款養(yǎng)老方式研究學(xué)科、專業(yè): 社會保障研究方向: 社會保障理論與政策申請學(xué)位類別: 管理學(xué)碩士申請人: 蔣亞軍指導(dǎo)教師: 劉迎霞副教授二〇一三年五月Analysis of Path Dependency in theInstitutional Change of Administrative OfficialConsuming System in ChinaA Dissertation Submitted tothe Graduate School of Henan Universityin Partial Fulfillment of the Requirementsfor the Degree ofMaster of ManagementByJiang YajunSupervisor: Prof .Liu YingxiaDate :May, 2013 2013 年 5 月 12 日I摘要伴隨著老齡化的到來,我國面臨著日益加劇的養(yǎng)老壓力,傳統(tǒng)的“家庭養(yǎng)老”和“社會保障養(yǎng)老”難以對老年人提供完全的養(yǎng)老保障。創(chuàng)新養(yǎng)老方式,尋求可行的養(yǎng)老新途徑,增強老年人的自我保障能力,成為亟待解決的現(xiàn)實性問題。住房反向抵押貸款,又稱“逆抵押貸款”、“住房倒按揭”,是在養(yǎng)老資源短缺背景下,遵循“以房養(yǎng)老”理念開發(fā)的一種新型養(yǎng)老方式,是對傳統(tǒng)的“養(yǎng)兒防老”和“票子防老”的有益補充。在界定住房反向抵押貸款養(yǎng)老方式內(nèi)涵與相關(guān)理論的基礎(chǔ)上,分析了我國推行住房反向抵押貸款養(yǎng)老方式的必要性和可行性,認(rèn)為老齡化人口數(shù)量攀升且高齡化趨勢明顯、社會養(yǎng)老保障不健全且養(yǎng)老資源不足、傳統(tǒng)的家庭養(yǎng)老功能弱化是推行住房反向抵押貸款養(yǎng)老方式的動因,而住房制度改革引致的居民住房自有率逐步提高、金融機構(gòu)運作資金來源充足、房地產(chǎn)二級市場日趨完善、居民家庭理念逐漸改變?yōu)槲覈菩凶》糠聪虻盅嘿J款養(yǎng)老方式提供了基礎(chǔ)性條件�，F(xiàn)階段我國部分地區(qū)已開始“以房養(yǎng)老”實踐的探索,主要有南京“以房換養(yǎng)”模式、上�！耙苑孔灾B(yǎng)老”模式、北京“養(yǎng)老房屋銀行”模式、中信銀行“養(yǎng)老按揭”模式。這些探索都遭遇到很大阻力,尚未取得預(yù)期效果。我國推行住房反向抵押貸款養(yǎng)老方式,當(dāng)前主要面臨著傳統(tǒng)養(yǎng)老和消費觀念的阻力、金融業(yè)分業(yè)經(jīng)營的局限、承辦主體的缺位、現(xiàn)行土地政策的束縛等障礙。美國、英國等發(fā)達(dá)國家住房反向抵押貸款的成功實踐給我國諸多啟示:住房反向抵押貸款養(yǎng)老方式的推行離不開政府的支持,需要強化風(fēng)險控制,產(chǎn)品形式可以更加多樣化。在比較政府公營、市場私營和政府與市場相結(jié)合三種方式的基礎(chǔ)上認(rèn)為,“政府支持、市場化運作”是當(dāng)前最適合我國國情的住房反向抵押貸款養(yǎng)老運作方式。為此,應(yīng)完善住房反向抵押貸款養(yǎng)老運行機制,明晰政府在推行住房反向抵押貸款中的職責(zé),運用購買利率保險、房產(chǎn)價值保險,制定合適的貸款價值比例,資產(chǎn)負(fù)債匹配等策略規(guī)避政策性風(fēng)險、信息不對稱風(fēng)險、利率變動風(fēng)險、長壽風(fēng)險、房產(chǎn)價值變動風(fēng)險等。關(guān)鍵詞:住房反向抵押貸款;養(yǎng)老方式;風(fēng)險規(guī)避IIIABSTRACTWith the arrival of aging population, China is facing increasing pressure on the pension, and thetraditional “family pension” and “social security pension” is difficult for the elderly to provide full pensionprotection. Innovative pension ways, seeking feasible new pension ways, and enhancing self-protectionability of the elderly, has e a reality problem solved. Housing reverse mortgage, also known as the“reverse mortgage” and “housing reverse mortgage”, is a new type of pension, which develops following tothe “Housing Endowment” concept in the context of the aging pension shortage of resources. It is usefulsupplement for bringing up children for the purpose of being looked after in old age and using money forold age. On the basis of defining the connotation of reverse mortgage endowment way and analyzing itstheoretical basis, this paper discusses the necessity and feasibility of implementation of housing reversemortgage endowment way in China. This indicates that rising aging population and the obvious aging trend,the unsound social old-age security and insufficient resources endowment, and the weakening of traditionalfamily pension function, is the reason in development housing reverse mortgage. The rising ofhomeownership rate, sufficient financial capital, maturing secondary real estate market and the graduallychanging of housing concept, provides the basic conditions to implement the housing reverse mortgage.At present, some of China’s provinces have begun to explore the practice of “retirement withhouse”, mainly formed four modes, such as room-for-raising mode in Nanjing, room buffet pension modei

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  本文關(guān)鍵詞：我國住房反向抵押貸款養(yǎng)老方式研究，，由筆耕文化傳播整理發(fā)布。