人口老龄化与住房反向抵押贷款

Aging Population and Reverse Mortgage

随着人口老龄化的加速到来,我国的社会保障将面临巨大的压力,单纯依靠现有的社保制度和传统的家庭养老,越来越难以适应银发浪潮的冲击。开展住房反向抵押贷款,用房产的余值来养老,是我国人口老龄化背景下的有力补充。不但可以弥补养老金不足的问题,增加老年收入,还可以拓宽养老途径,减轻社会保障的压力。因此,我国应在借鉴国外经验和模式的基础之上发展适合我国国情的住房反向抵押贷款。

With the coming of accelerating ageing,there will be a big pressure on our social security system,the present social security system and traditional model can't meet the old age crisis.In order to meet the rapid aging population,Carry on the reverse home mortgage loan is a good choice,which is not only will make up the shortage of basic annuity,increase the income of the olds,but also will supply a more choice for old-supporting,and at the same tine reduce the pressure of the social security on the state.We should develop ourselves reverse mortgage,which is suit for our condition after learning the models and experience of foreign countries.