外部性视角下住房反向抵押贷款政府责任分析

A Research on Governmental Responsibility of Housing Reverse Mortgage Based on the Externality Theory

住房反向抵押贷款作为把住房资产转化为现金补充老年人养老金的一种特殊产品,集合了养老保障、金融等属性。文章基于外部性视角,解释了政府应在住房反向抵押贷款中承担责任的理论依据,提出了政府应针对不同经济条件的借款老人群体采取不同的责任定位。

Housing reverse mortgage is a special product for the senior citizens where housing asset is cashed. It functions both as old-age security and banking. The externality theory is used to explain why government should take responsibility for reverse mortgage. It is proposed that government take different responsibilities for different targets.