住房反向抵押贷款保险中的主要风险因素分析及其应对措施

由保险公司开展住房反向抵押贷款保险是住房反向抵押贷款的一个主要方式。本文试图通过分析实施住房反向抵押贷款保险中保险公司面临的主要风险因素,包括利率风险、预期寿命风险、房产价值评估风险和道德风险,找出保险公司控制或降低这些风险因素的途径,为住房反向抵押贷款保险在我国的发展提供一些借鉴。

It is a major way in insurance company to carry out the reverse mortgage loan insurance while other financial institutions take such loan also. This article attempts to analyze major risk factors insurance companies facing in the implementation of housing reverse mortgage loan insurance, including interest rate risk, life expectancy risk, property values assessment and moral hazard risk, and identify insurance companies to control or reduce these risk factors means, in order to provide some reference in the development of our country for home reverse mortgage loans insurance.