本文關(guān)鍵詞：我國(guó)城市居民“以房養(yǎng)老”金融機(jī)構(gòu)風(fēng)險(xiǎn)防范研究　出處：《東北師范大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：目前，中國(guó)已經(jīng)正式進(jìn)入老齡化社會(huì)，我國(guó)是人口大國(guó)，不管是老齡人口的基數(shù)還是人口老年化的速度，都處于世界平均以上水平。從現(xiàn)階段發(fā)展來看，普遍形成了4-2-1式的家庭結(jié)構(gòu)，老齡人口所占比重逐年上升，一線城市如北京、上海等所占比重更大，導(dǎo)致養(yǎng)老金缺口將進(jìn)一步擴(kuò)大。如何緩解養(yǎng)老資金緊張，拓寬養(yǎng)老資金籌集渠道，提高老年人生活質(zhì)量，已成為社會(huì)各界關(guān)注的焦點(diǎn)問題。雖然我國(guó)社會(huì)保障事業(yè)發(fā)展速度很快，，但是起步較晚，很多政策和理論還在探索和嘗試之中，所以學(xué)習(xí)借鑒發(fā)達(dá)國(guó)家成熟的社會(huì)保障制度不失為一項(xiàng)良策。 在西方發(fā)達(dá)國(guó)家，“以房養(yǎng)老”已經(jīng)成為各國(guó)政府解決老齡化問題的重要手段之一。我國(guó)“以房養(yǎng)老”首次被提出距今已有十多年。作為舶來品，面臨諸多問題，相關(guān)法規(guī)制度的缺失導(dǎo)致發(fā)展的道路舉步維艱，專家學(xué)者各持己見，褒貶不一。主要原因是這種長(zhǎng)時(shí)間的借貸行為不確定的因素太多，而我國(guó)政策法規(guī)上又沒有對(duì)其做出相應(yīng)的規(guī)定，所以有可能產(chǎn)生各式各樣的風(fēng)險(xiǎn)，如果不能很好的控制風(fēng)險(xiǎn)，不僅不能減輕養(yǎng)老金的壓力，還會(huì)在房地產(chǎn)、金融、社會(huì)等方面產(chǎn)生新的問題。 本文試圖找出我國(guó)城市居民“以房養(yǎng)老”過程當(dāng)中存在的不足，從金融機(jī)構(gòu)所面臨的風(fēng)險(xiǎn)為切入點(diǎn)，大量參考和研究發(fā)達(dá)國(guó)家“以房養(yǎng)老”過程中的成功案例，總結(jié)和分析金融機(jī)構(gòu)在風(fēng)險(xiǎn)防范方面的成功經(jīng)驗(yàn)，并且結(jié)合我國(guó)的實(shí)際情況，提出相應(yīng)符合我國(guó)國(guó)情的對(duì)策和建議。
[Abstract]:At present, Chinese has officially entered the aging society, China is a populous country, whether it is the base of the aging population or population aging speed in the world average level. From the present stage of development, have formed the 4-2-1 family structure type, accounting for the proportion of the elderly population increased year by year, first-tier cities such as Beijing. Shanghai accounted for a big proportion, leading to the pension gap will be further expanded. How to alleviate the pension funds, broaden the financing channels, improve the quality of life for the elderly, has become the focus of attention of the community problems. Although the speed of development of China's social security is very fast, but a late start, many policies and theories are still exploring and try, so learn from the social security system of developed countries is a good way.
In the western developed countries, "house-for-pension scheme" has become one of the important means for governments to solve the problem of aging in China. "House-for-pension scheme" was first proposed more than 10 years ago. As an exotic, facing many problems, the lack of relevant laws and regulations led to the development of the road difficult, experts and scholars are mixed. Each one sticks to his own view. The reason is too many factors of borrowing that long time is uncertain, and our policies and regulations have no corresponding regulations to make, so it is possible to produce every kind of risk, if the risk control is not very good, not only can reduce the pressure of pension, but also in the real estate, finance, new problems social aspects.
This paper tries to find out our city residents "shortcomings house-for-pension scheme" process, the risk faced by financial institutions as the starting point, a large number of developed countries for reference and Research on "the successful case of the housing endowment" in the process, summarize and analyze the financial institutions in risk prevention of the successful experience, and combined with the actual situation in our country, put forward the corresponding countermeasures according to the situation of our country and suggestions.

【學(xué)位授予單位】：東北師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：D669.6;F299.23;F832.4

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