住房反向抵押贷款对杭州市城镇居民消费的影响

Effect of Housing Reverse Mortgage Loan on Consumption of Urban Residents in Hangzhou City

分析住房反向抵押贷款对杭州市城镇居民消费的影响,采用市场调查和计量经济分析方法进行研究。结果表明,若开展住房反向抵押贷款业务,可增加消费支出,也可能拉动经济增长;若考虑遗产税开征和城镇化率提高的情况,住房反向抵押贷款对促进消费、拉动经济增长的作用将更加显著。

In order to analyze the influence of housing reverse mortgage loan on the consumption of urban residents in Hangzhou City, a study was made by making the market survey and using the econometric analysis method. The result shows that if the housing reverse mortgage loan is launched, Hangzhou can increase its consumption spending and prompt its economic growth. If the inheritance tax and the growth of urbanization are taken into account, the effect of housing reverse mortgage loan on the promotion of consumption and economic growth will be more significant.