老龄化社会条件下反抵押贷款养老模式的实证研究——以大连市旅顺口区为例

A Demonstration Research on the Reverse Mortgage in Aging Soceity——With Lushunkou District of Dalian as an Example

人口老龄化的到来和未来人口结构加剧了养老压力,弱化了传统的家庭代际养老模式。根据这一问题并依据旅顺60岁以上老年人的情况调查,分析了老年人的自然情况及养老、住房等观念的相关因素。最后得出反抵押贷款这一以房养老的做法将是未来的趋势。

Aging society and future population structure have aggravated pressure to provide for the aged, make traditional family pattern of providing for the aged weak. According to this and a survey of Lushun elderly population above 60, this thesis analyzed the relative factors of the concept of natural condition of elderly population, providing for the aged and the housing equity. Finally, we reach a conclusion that reverse mortgage will be a future trend to solve the problem of providing for the aged.