住房反向抵押贷款制约因素研究

Research on Restriction Factors on Housing Reverse Mortgage Loan

日趋加速的人口老龄化造成我国养老金缺口不断增大。新型养老方式住房反向抵押贷款实践状况不佳。本文在研究我国养老现状的基础上,通过使用理论分析和演绎推理相结合的方法,分析反向抵押贷款的概念,应用现状以及阻碍其发展的制约因素,并提出了相关的扶持政策及建议。

The serious problem of population causes an increasing pension gap in our country. Housing reverse mortgage loan that is a new endowment mechanism practice is in an unfavorable condition. This paper discusses situation of social endowment and analyzes the concept of housing reverse mortgage loan, its application situation and restrictive factors by using the theoretical analysis and deductive reasoning .Then the paper puts forward some suggestions.