我國開展住房反向抵押養(yǎng)老保險(xiǎn)研究
[Abstract]:The rapid development of China's aging population has become an indisputable fact. While continuing to improve the construction of the social security system, the Chinese government has proposed to speed up the development of the old-age service industry. To encourage the financial industry in the field of pension financial products and services innovation. As an asset conversion model, housing reverse mortgage endowment insurance improves the income of the elderly by releasing the cash flow that solidifies in the real estate. The development of housing reverse mortgage endowment insurance is of great practical significance in ensuring and improving the quality of life of the elderly and promoting social stability. This paper firstly discusses the connotation and theoretical basis of housing reverse mortgage old-age insurance by using the method of comparative reference and theoretical analysis, and studies the operation mode of housing reverse mortgage old-age insurance in developed countries. Summarize the general law of development of this product. Secondly, from the perspective of qualitative analysis, this paper systematically expounds the necessary and feasible conditions for the operation of housing reverse mortgage old-age insurance products in China. Then, from the perspective of quantitative analysis, this paper introduces the housing reverse mortgage pension insurance, annuity pricing model, income replacement rate model, select mortality, Data such as the average growth rate of housing sales prices in Guangzhou City calculate the annuity income of housing reverse mortgage old-age insurance, and then compared with the average annual income before retirement, the "income replacement rate" is obtained. The income replacement rate is used to measure the effectiveness of applying the housing reverse mortgage pension insurance to raise the income level of the elderly after retirement. The quantitative analysis shows that the average income substitution rate of the elderly after applying for the housing reverse mortgage old-age insurance can reach or even exceed the current social security pension wage substitution rate of 50.3%, and the older the initial application age is, the higher the income replacement rate is. It is obvious that the income level of the elderly can be improved substantially by applying the housing reverse mortgage old-age insurance, especially for the low-income group. Finally, combing the full text of the housing reverse mortgage pension insurance can become our country's "cash poverty, property rich" urban elderly to achieve the effective way to supplement the self-pension. And accordingly puts forward the development in our country housing reverse mortgage endowment insurance countermeasure suggestion.
【學(xué)位授予單位】:華南理工大學(xué)
【學(xué)位級別】:碩士
【學(xué)位授予年份】:2013
【分類號】:F842.67
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