上海推行住房逆抵押贷款的调查分析

Investigation analysis of Shanghai practicing housing's contrary mortgage and loaning

为了了解人们对于住房逆抵押贷款的认同度和参与度,笔者于2009年7～8月在上海进行了住房逆抵押贷款的专项调查。本文运用SPSS统计方法对调查结果进行统计,结果表明被调查者对住房逆抵押贷款的总体认同度较高,同时,分层研究的结果表明年龄较小、受教育程度较高以及收入状况不好的被调查者对住房逆抵押贷款的认同度较高。本文对调查结果作了进一步的分析和研究,认为现阶段推行住房逆抵押贷款的主要障碍,其主要来自于传统思想的束缚以及人们对住房逆抵押贷款的不了解,文章对此提出了相应的对策和建议。

A survey of reverse mortgages was implemented to know of people＇s acceptance degree and participation degree on reverse mortgages from July to August 2009 in Shanghai.On this paper,SPSS was used to analyze the survey.The overall statistical analysis result showed that the respondents had high acceptance degree on reverse mortgages,and hierarchical analysis result indicated that people who were younger,had higher educational level and had no income would have a higher acceptance degree on reverse mortgages.From the perspective of the survey＇s results,the main obstacles against the implementation of reverse mortgages were the constraints of traditional thinking,and people＇s less understanding of reverse mortgages.At the end,corresponding measures and suggestions were put forward.