以房养老法律保障研究——以南京为例

Study On The Legal Security Of The Housing Endowment——Taking Nanjing For Example

面对逐渐到来的老龄化,以及实行多年的计划生育政策,如何解决养老这一社会难题成为我国发展中必须迎接的经济与社会的双重挑战。而以房养老这一补充性养老保障模式的引入既为国家减负,弥补了现有社会养老保险保障的不足,同时促进金融创新,拓宽保险资金的运用渠道,提高保险业风险管理水平。但作为新型养老模式,必须完善相关法律以保障多方利益,否则将会阻碍其良性发展。

facing the coming of aging, and implementation of the years of the one-child policy, how to solve the pension social problems become the dual challenges of economic and social development of our country must meet the. And to the housing endowment the supplementary old-age security model into the existing burden for the state, to make up for the deficiency of existing social pension insurance protection, and promote financial innovation, broaden the channels for the use of insurance funds, improve the risk management level of insurance industry. But as a new pension mode, we must improve the relevant laws to protect the interests of the multi, otherwise it will hinder its healthy development.