美国“以房养老”住房反向抵押贷款的经验与启示

Experience and Enlightenment from American Reverse Mortgage of House-for-pension Scheme

面临严峻的人口老龄化危机,"以房养老"逐渐成为社会养老保障体系的有益补充。我国对"以房养老"进行了有益的探索,但还很不成熟。美国的"以房养老"住房反向抵押贷款取得了较大成功,值得借鉴。因此,论文在介绍美国住房反向抵押贷款主要产品的基础上,总结出成功经验,并提出美国"以房养老"住房反向抵押贷款对我国的启示。也就是说,要在强化政府主导作用的基础上,扩大借款人市场需求,增加贷款机构市场供给,并完善相关配套措施。

Facing severe aging population crisis,House-for-pension Scheme has become useful supplement to Social Security system. China has useful exploration for house-for-pension scheme,but still immature. American Reverse Mortgage of House- for- pension Scheme has achieved great success,and worth learning. So this thesis based on introducing Reverse Mortgage main products,summed up the successful experience,and proposed the enlightenment from American Reverse Mortgage of House-for-pension Scheme. That is to say,on the basis of strengthening the leading role of the government,China should expand the market need of the borrower,increase the market supply of the lending agency,and improve related measures.