美国式“以房养老”制度模式及启示

American “House for Pension Scheme”Model and Its Inspirations

"以房养老"作为解决养老问题的一种重要途径与措施,日益受到社会的关注。美国作为发达国家中较早普及"以房养老"制度的国家,其经历了较长时间的实践与探索,从而形成了一套完整的制度体系。在这一过程中其经历了数次模式的转变,不断推陈出新,最终形成了以反向抵押贷款制度为主,其他模式为辅的多层次"以房养老"体系。这些措施与实践为我国未来的"以房养老"制度设计提供了借鉴。

As an important way to solve the pension issue, the house for pension scheme has received increasing attention. America, as the earliest country to popularize the house for pension scheme among the developed coun- tries, has formed a complete set of systems after longtime practice and exploration, during which the system has been continuously renovated and the multi-level ＂House for Pension Scheme＂ system has finally formed with reverse mort- gage as mainstay and supplemented by other modes. These measures and practice provide samples and reference for China＇s future design of ＂House for Pension Scheme＂ system.