论日本“以房养老”及其启示

Enlightenment of Japanese House-for-Pension Scheme to China

日本以房养老形式具有多样性,参与主体具有多元性,目的和用途具有层次性,且条件严格限定,突出信托的作用,为我国推进以房养老实践提供了有益的启示。我国应构建多元以房养老主体制度、突出政府责任、扩大以房养老客体范围,构建信托担保、资产证券化等配套制度,稳步推进以房养老事业的发展。

House-for-pension scheme in Japan is characterized by diversity,pluralism of participants,and hierarchy of purposes and utility. It also has strictly restriction and the function of highlighting trust,and can provide useful enlightenment for proceeding the practice of House-for-pension in China. China should construct the multivariate House-for-pension system,highlight government responsibility,enlarge the object of House-for-pension program,and construct supporting systems such as Guarantee Trust and Asset Securitization,so as toproceed the development of House-for-pension system.