住房反向抵押贷款的韩国模式及启示

The Reverse Mortgage System of Korean and Its Enlightenment

随着我国老年化社会程度的加重,养老保障面临着巨大压力。住房反向抵押贷款制度是养老体系的重要补充,既提高了老年人的生活质量,又减轻了国家的社会保障压力。相对于欧美成熟市场,韩国于2007年推出了住房反向抵押贷款业务,并迅速被韩国民众接受。作为我们国家的近邻,韩国的经济文化发展均与我国有相似之处,因此通过借鉴韩国住房反向抵押贷款制度建设中的成功经验,对我国的住房反向抵押贷款制度建设提出相应的政策建议。

With the aggravation of the aging society of China, the old-age security facing great pressure, reverse mortgage system is extended for realization of living out life in retirement with house, which not only raises life quality of the aged, but mitigates social safeguard stress of the state, relative to mature markets in Europe and America, South Korea launched a reverse mortgage business in 2007, and was quickly accepted the South Korean people. South Korean is our neighbor, economic and cultural development are similarities with our country, therefore, by drawing on the successful experience of Korea housing reverse mortgage loan in the construction of the system, put forward the corresponding policy suggestions for the construction of housing reverse mortgage system in our country.