我国倒按揭贷款的障碍及建议

On the Obstacles and Sulotions about China`s Reverse Mortgage

倒按揭贷款是新型的养老保障模式和金融创新的工具,得到国内外学术界和金融业界的广泛关注,相关的研究也不少。目前这种养老模式在我国发展中存在发展基础不牢固、房屋建筑质量有问题和中介服务机构缺乏等各种障碍,可以通过建立相关法规、加强政府监管、发展相关中介服务机构等措施来推动倒按揭贷款在我国的发展。

As a new mode for supporting the elder and a financial innovation instrument, reverse mortgage has attracted attention from the academia and financial industry, abounding with a lot of relative researches. Currently there exist many obstacles of devoloping reverse mortgage in China such as developement base, the construction quality, lack of intermediaries and so on, the paper proposes to set up relative rules, enforce governmental regulation, develope intermediaries and so forth to promote the developement of such mortgage in our country.