售房养老模式中金融运营机制的探讨

On Financial Operation Mechanism in House-selling Pension Model

随着老龄化社会的到来,养老已经成为全社会日益关注的话题。养老制度安排历经千年,形成多种养老模式。本文将提出一种新的养老模式,即售房养老。并在探讨这一模式的基本思路、理论渊源的基础上,着重探讨金融机构在售房养老模式实施中的运营机制,以及目前要推行这种新型养老模式金融机制的尚存缺陷。

With the advent of a gray society, pension has become a hot topic of increasing concern among the public. Pension system arrangement has been in place for one thousand years, giving rise to various pension models. In this paper, a new pension model --house-selling pension --is proposed. After the model is discussed in terms of basic principles and theory, emphasis is being laid on the operational mechanism and existing deficiencies of financial institutions in applying this model.