摘要
我国人口老龄化趋势日渐明显,人口抚养比例大幅攀升[1]。如果仅仅依靠现行的养老保障制度和传统的家庭养老模式,将很难应对即将到来的老龄化危机。本文针对新型的养老方式——"以房养老",对"住房反抵押贷款"方案进行研究,并依据此方案对投保人的年龄、预期存活寿命及健康状况和投保时房屋的价值及其折旧增值情况综合分析,建立投保人和保险公司收益的初等数学模型,并用平均余寿对该模型作可行性检验。最后结合10年后的老龄化程度对此方案的前景和可行性进行了论证。
With an incresing trend in China＇s aging population, there is a sharp rise in the proportion of the population dependent. The existing old-age insurance system and the traditional family pension model will be difficult to cope with the upcoming aging crisis. This paper, aiming at Housing Endowment, conducts a study anti-housing mortgage loans and does a comprehensive analysis on policyholder＇s age, life expectancy, health status, value of the Housing when insured and it＇s depreciation or added value based on this Program. We establish an elementary mathematical model on earnings of policyholder and insurance companies, and test the feasibility of the model by using the average residual life. Finally, we conduct a demionstration on the prospects and feasibility of the program with the degree of aging ten years later.
出处
《重庆电子工程职业学院学报》
2009年第1期86-89,共4页
Journal of Chongqing College of Electronic Engineering
