保险公司发展住房反向抵押养老保险的市场环境分析——以湖南省为例

Analysis on the Development of Reverse Mortgage Endowment Insurance Market in Insurance Companies——A Case Study of Changsha,Hunan

目前我国人口结构已步入老龄化,高龄老人比重增加,空巢化、家庭结构小型化等问题带来了巨大的养老压力。基本养老保障、医疗保障层次较低,养老服务的供给与养老需求不匹配。住房反向抵押养老保险是由金融机构开发经营的创新型金融产品,有利于家庭资产的优化配置,提高养老金的保障水平,本文结合湖南省人口、住房自有率、养老意愿等条件对保险公司开展住房反向抵押养老保险的市场环境进行调查与分析。

China＇s population structure aging, increase the proportion of the elderly, empty nest, bring the huge pressure of endowment and family structure miniaturization. Basic old-age security, medical security level is low, the supply of pension services and pension needs do not match. Reverse mortgage endowment insurance is the innovative financial product development and management of financial institutions, to optimize the allocation of household assets, improve the pension level, combined with the Hunan province population, homeownership rate, endowment conditions of the insurance company to carry out a reverse mortgage endowment insurance market survey and analysis.