摘要
随着中国步入老龄化社会,加上家庭结构小型化和空巢家庭增加,使得住房反抵押贷款这种养老方式逐渐被人所关注。本文运用生命周期理论模型,从理论和数值模拟两个方面分析个体在参与住房反抵押贷款前后整体效用的变化,并探讨了遗赠动机对住房反抵押贷款实施的影响。
With China entering the aging society,changing of family structure and the appearance of more and more empty-nest families,reverse mortgage is gradually to be concerned.From the perspective of life cycle,this article compares the difference of total utility between before and after implementing reverse mortgage by theoretical analysis and numerical simulation.Fuethermore,the article explores the effect of bequest motive on reverse mortgage.
出处
《特区经济》
2013年第3期184-186,共3页
Special Zone Economy
基金
浙江省自然基金项目"老龄化背景下中国住房反抵押市场需求依旧"的研究成果之一
项目编号:LY12G03009
