农村集体土地使用权反向抵押:我国新型农村养老保险新视角

Reverse Mortgage of Rural Collective Land Use Right : The New Perspective of China's New Rural Old-age Insurance

在土地保障的基础上建立农村社会养老保险体系,是当前我国农村特定条件、特定时期的必然选择。借鉴国外的住房反向抵押贷款,对我国农村集体土地使用权反向抵押,一定程度上可以弥补农村养老保险集体补助资金的不足,在一定意义上有利于拓宽农村社会养老保险融资渠道,促进新型农村养老保险制度的实施,激活农村土地市场流转,推动农村经济发展。

On the protection of rural social endowment insurance system which is based in the landis currently China＇s specific conditions, specific period in rural areas of the inevitable choiee. Referring to other countries＇reverse mortgage, on China＇s rural collective land use right reverse mortgage,in a certain extent can make up for the collective benefit of rural old-age insurance. It is conducive to broaden the financing channels for rural social old-age insurance to promote the new rural implementation of pension insurance system, activating the rural land market turnover, promoting rural economic development.