摘要
近年来我国人口老龄化问题日益严峻,在老年群体的资产储备中,房产较多但现金储蓄相对较少,为以房养老提供了潜在的发展空间。但由于实践中制度供给不足,保险公司和老年人参与的积极性不高,我国住房反向抵押养老保险面临发展困境。美国HECM是市场占有率最高的住房反向抵押项目,由联邦政府提供保险保障机制,贷款机构的市场运作较为成熟,相关立法较为完善,可为我国发展以房养老提供借鉴。为推动我国住房反向抵押养老保险的快速发展,应加大政府的保障力度,鼓励多类金融机构以多种形式参与,加快相关法律法规建设。
In recent years,the problem of aging population in China is becoming more and more serious.There are more real estate in the asset reserve of the elderly,but less cash savings,which provides a potential development space for housing pension.Due to the lack of institutional supply in practice,the enthusiasm of the insurance companies and the elderly to participate is not high,China’s housing reverse mortgage endowment insurance is facing development difficulties.HECM program in the United States is the housing reverse mortgage project with the highest market share.The federal government provides insurance guarantee mechanism,the market operation of loan institution is relatively mature,and relevant legislation is relatively perfect.In China,increasing the system supply of the government,encouraging various financial institutions to participate in various forms,and accelerating the construction of relevant laws and regulations are conducive to promoting the rapid development of China’s housing reverse mortgage endowment insurance.
作者
王亚柯
叶雨彤
汤晟
Wang Yake;Ye Yutong;Tang Sheng
出处
《江海学刊》
CSSCI
北大核心
2020年第1期240-245,255,共7页
Jianghai Academic Journal
基金
国家社科基金重点项目“基于收入和财产视角下的社会保障再分配效应研究”(项目号:16AJY007)
国家社科基金重点项目“我国中等收入家庭金融脆弱性问题研究”(项目号:17AJY027)的阶段性成果
对外经济贸易大学中央高校基本科研业务费专项资金项目(CXTD9-05)资助
