【摘要】：當前我國正逐步走入老齡化社會,伴隨著社會保障制度不健全,老年人所占人口比例的迅速上升,養(yǎng)老問題已經(jīng)成為全社會關(guān)注的焦點問題之一,面臨著許多問題和困難的中國老年人養(yǎng)老問題�，F(xiàn)行的政策和保障措施不能滿足老年人養(yǎng)老的需要,各地養(yǎng)老資源普遍存在著巨大的缺口,尤其是公共養(yǎng)老金的缺口越來越大,亟需多渠道籌措資金,以彌補養(yǎng)老金的不足�！耙苑筐B(yǎng)老”正是在這一背景下產(chǎn)生的一種新的補充養(yǎng)老方式。顧名思義,“以房養(yǎng)老”是指在公共資源不足以滿足老年人養(yǎng)老需求的情況下,老年人利用自己擁有所有權(quán)的房屋等不動產(chǎn),通過出租、出售、交換等多種方式增加養(yǎng)老金收入,最終實現(xiàn)養(yǎng)老目的的一種養(yǎng)老方式。本文運用文獻研究法、問卷調(diào)查法、訪談法,以生命周期理論、家庭財富代際傳遞理論、產(chǎn)權(quán)分割與資產(chǎn)流動性理論為基礎(chǔ),對濟南市實行“以房養(yǎng)老”的可行性問題進行研究。論文共分為六個部分:第1章從不斷加劇的養(yǎng)老形勢出發(fā),分析了選題背景、研究目的及意義,梳理了國內(nèi)外研究現(xiàn)狀,并提出了研究思路和研究方法;第2章介紹了以房養(yǎng)老概念、生命周期理論、家庭財富代際傳遞理論、產(chǎn)權(quán)分割與資產(chǎn)流動性理論,分析了國內(nèi)外典型的“以房養(yǎng)老”實踐,為論文寫作奠定了理論基礎(chǔ)和經(jīng)驗借鑒。第3章從“濟南市人口老齡化的情況及養(yǎng)老方式”等幾個方面入手,對濟南市實行“以房養(yǎng)老”的必要性進行了系統(tǒng)闡述。第4章從幾個方面入手,分析了濟南市實行“以房養(yǎng)老”的可行性。第5章針對性分析濟南以房養(yǎng)老面臨的問題和風險。第6章從濟南市相關(guān)的政策法規(guī)、建立金融體系、和建立相應(yīng)的監(jiān)管機制等幾方面入手提出了濟南市推行以房養(yǎng)老的若干對策建議。
[Abstract]:At present, our country is gradually entering an aging society. With the imperfect social security system and the rapid increase of the proportion of the elderly population, the pension issue has become one of the focus issues of the whole society. Faced with many problems and difficulties of the elderly in China pension problem. The current policy and safeguard measures can not meet the needs of the elderly pension. There is a huge gap in pension resources in various places, especially the gap of public pension is getting bigger and bigger, so it is urgent to raise funds through many channels to make up for the shortage of pension. Housing for the aged is a new supplementary pension under this background. As its name implies, "providing for the aged by house" means that when public resources are insufficient to meet the needs of the elderly, the elderly use their own real estate, such as a house owned by them, to be leased and sold. Exchange and other ways to increase pension income, and ultimately achieve the purpose of a pension. Based on life cycle theory, family wealth intergenerational transfer theory, property rights division and asset mobility theory, this paper uses literature research, questionnaire and interview. This paper studies the feasibility of "providing for the aged by housing" in Jinan. The thesis is divided into six parts: the first chapter analyzes the background, purpose and significance of the topic, combs the current research situation at home and abroad, and puts forward the research ideas and methods. The second chapter introduces the concept of housing endowment, life cycle theory, family wealth intergenerational transfer theory, property rights division and asset mobility theory, and analyzes the typical "housing endowment" practice at home and abroad. It lays a theoretical foundation and experience for the writing of the thesis. In the third chapter, the necessity of "providing for the aged by housing" is systematically expounded from the aspects of "the situation of population aging and the way of providing for the aged" in Jinan. Chapter 4 starts with several aspects and analyzes the feasibility of implementing "providing for the aged by Housing" in Jinan. Chapter 5 analyzes the problems and risks that Jinan faces. Chapter 6 puts forward some countermeasures and suggestions on the implementation of housing for the aged in Jinan from the related policies and regulations, the establishment of financial system, and the establishment of corresponding supervision mechanism.
【學(xué)位授予單位】：山東財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D669.6;F299.23

【參考文獻】

相關(guān)期刊論文 前8條

1 房睿;;住房反向抵押貸款需求的經(jīng)濟學(xué)分析[J];當代經(jīng)濟;2009年10期

2 衣雙;張春紅;;試析不動產(chǎn)反向抵押[J];法制與社會;2007年03期

3 何穎仁,高達一;老年住房信貸與保險[J];重慶建筑大學(xué)學(xué)報;2001年01期

4 王嗣農(nóng);張國俊;;反向抵押貸款的發(fā)展及其給我們的啟示[J];遼寧經(jīng)濟職業(yè)技術(shù)學(xué)院(遼寧經(jīng)濟管理干部學(xué)院學(xué)報);2007年02期

5 祁峰;;一種新型養(yǎng)老模式:以房養(yǎng)老[J];蘭州學(xué)刊;2009年02期

6 柴效武;住房反抵押貸款的供給機構(gòu)選擇與評析[J];西安金融;2003年11期

7 歐陽淵;;以房養(yǎng)老在我國“試水”艱難的原因分析[J];中國高新技術(shù)企業(yè);2008年15期

8 柴效武 ,余中國;美國反抵押貸款制度實施的介紹[J];浙江金融;2005年06期

相關(guān)重要報紙文章 前1條

1 本報記者 張穎;[N];國際金融報;2005年

相關(guān)碩士學(xué)位論文 前3條

1 胡斌;反抵押貸款與房地產(chǎn)價格波動風險[D];浙江大學(xué);2003年

2 李敏;山西省太原市以房養(yǎng)老研究[D];山西財經(jīng)大學(xué);2012年

3 郜凱英;鄭州市實行“以房養(yǎng)老”的可行性研究[D];鄭州大學(xué);2013年

，

本文編號：2125343