我国的以房养老模式探析

Implementation of the Housing Endowment in China

以房养老在我国当前养老社会保障制度不完善的情况下,是值得提倡的养老模式。它可以提高老人的生活质量,减轻子女的养老负担;减少财产纠纷,促进地产业良性循环;推动我国养老体制的新一轮改革。但目前在我国实施以房养老存在着认识上、观念上、适用范围、法律制度和养老机制方面的阻力。这就需要采取一些对策,如加大宣传、建立配套措施、实施住房反抵押贷款的证券化、先试点后推广、大力发展养老设施等。

Housing endowment should be advocated due to the imperfect old-age social security system at present in China. It can improve the living standard of the old people and relieve childre＇ s burden. Furthermore, housing endowment can decrease property disputes, enhance the beneficent cycle of real es- tate and push forward the new round of reform of old-age endowment system. However, there is resist- ance as to the notions, adoptions, laws and mechanisms about the implementation of housing endowment. We should take measure to publicize housing endowment, set up corresponding facilities, implement hous- ing endowment and develop old age facilities.