我国房产养老保险制度的探讨

An exploration on the house equity pension insurance in China

改革开放以来,中国人口年龄结构发生了历史性变化,老龄化程度日益加重。房产养老保险正是顺应时代发展和符合时代要求的一种解决养老问题的金融创新工具,对房产养老保险的制度框架进行分析,是这种创新产品得以成功推广的前提。本文结合我国房产养老保险现状与美国房产价值可转换抵押贷款的发展,设计了我国房产养老保险的制度框架,明确了房产养老保险制度涉及的主体及各自的职责。

China＇s demographic structure has experienced a historic change ever since the adoption of the reform and open-up policy, and the problem of population aging has become increasingly serious. The house equity pension insurance is a financial innovation in conformity with the current demands for solving the old age issue. As a prerequisite for the success of this innovative product, we should properly analyze the framework of this product. Based on the current development of house equity pension insurance in China and the convertible secured mortgage on property value model of the United States, the paper designed the framework of the house equity pension insurance and delineated the respective responsibility of various participants.