住房反向抵押贷款保险风险分析及应对措施

Analysis on the Risk of Reverse Housing Loan Insurance and Countermeasures

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: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。

Reverse housing loan insurance is a major way of reverse housing mortgage developed by insurance companies. This article attempted to analyze the major risk factors in face of insurance companies in the implementation of housing reverse mortgage insurance, including interest rate risk, life expectancy risk, property values assessment and moral hazard risk, and it found out the means to control or reduce these risk factors for insurance companies, and provided some reference for the development of housing reverse mortgage insurance in China.