本文選題：人口老齡化 + 住房反向抵押養(yǎng)老保險　； 參考：《河北大學(xué)》2017年碩士論文

【摘要】：目前我國正處于快速老齡化階段,我國的社會養(yǎng)老保障體系和傳統(tǒng)的家庭養(yǎng)老模式都面臨著嚴峻的挑戰(zhàn),何以養(yǎng)老成為了我國亟待解決的問題。住房反向抵押養(yǎng)老保險為解決該問題提供了一種新的途徑。目前,我國住房反向抵押養(yǎng)老保險還處于試點探索階段,在試點運行的過程中取得了初步的成績,也遇到了許多問題。本文首先對住房反向抵押養(yǎng)老保險及相關(guān)理論進行了闡述。其次,介紹了我國住房反向抵押養(yǎng)老保險的試點運行情況,通過實際調(diào)研以及查閱相關(guān)資料,從我國住房反向抵押養(yǎng)老保險的市場需求和供給兩個方面對我國住房反向抵押養(yǎng)老保險的發(fā)展現(xiàn)狀進行分析。再次,從需求、供給、宏觀政策和市場環(huán)境四個層面深度剖析我國住房反向抵押養(yǎng)老保險在發(fā)展過程中存在的問題和挑戰(zhàn)。最后,結(jié)合美國、加拿大、新加坡的實踐經(jīng)驗,根據(jù)需求、供給、宏觀政策和市場環(huán)境四個層面的問題提出了逐漸改變傳統(tǒng)觀念,創(chuàng)新產(chǎn)品、防范風(fēng)險,健全保障機制、完善政策法規(guī),逐步改善市場環(huán)境的對策建議。
[Abstract]:At present, our country is in the stage of rapid aging, the social security system and the traditional family pension model are facing severe challenges, how to provide for the aged has become a problem to be solved urgently in our country. Housing reverse mortgage endowment insurance provides a new way to solve this problem. At present, China's housing reverse mortgage pension insurance is still in the stage of pilot exploration, in the process of pilot operation has made preliminary achievements, but also encountered many problems. This article first of all to housing reverse mortgage endowment insurance and related theory has carried on the elaboration. Secondly, it introduces the pilot operation of China's housing reverse mortgage pension insurance, through actual research and reference to relevant materials, This paper analyzes the present situation of China's housing reverse mortgage old-age insurance from the two aspects of market demand and supply. Thirdly, from four aspects of demand, supply, macro policy and market environment, this paper analyzes the problems and challenges existing in the development of China's housing reverse mortgage endowment insurance. Finally, combined with the practical experience of the United States, Canada and Singapore, according to the four aspects of demand, supply, macro policy and market environment, the paper puts forward gradually changing traditional ideas, innovating products, preventing risks, and perfecting the safeguard mechanism. Improve policies and regulations, step by step improve the market environment countermeasures and suggestions.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F842.67;F299.23

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