| “倒按揭”养老模式的精算模型构建与应用 |
| |
| 引用本文： | 刘佳,王立剑.“倒按揭”养老模式的精算模型构建与应用[J].西北人口,2008,29(4):111-114,120. |
| |
| 作者姓名： | 刘佳 王立剑 |
| |
| 作者单位： | 西安交通大学,公共政策与管理学院,西安,710049 |
| |
| 摘 要： | 为了推进“倒按揭”养老模式在我国的发展，本文通过对“倒按揭”进行概念解析，构建了个体“倒按揭”精算模型和家庭“倒按揭”精算模型；利用两个模型，测算了固定房产值时的给付标准和固定给付标准时对房产值的要求，研究发现，实行“倒按揭”养老的警戒线为房产净价值136576元；当拥有房产价值227627元时，给付标准可达到城镇居民人均可支配收入水平。
|
| 关 键 词： | 倒按揭 养老 精算模型 |
The Construction and Application of Reverse Mortgage Actuarial Model |
| |
| LIU Jia,WANG Li-jian.The Construction and Application of Reverse Mortgage Actuarial Model[J].Northwest Population Journal,2008,29(4):111-114,120. |
| |
| Authors: | LIU Jia WANG Li-jian |
| |
| Institution: | (School of Public Policy and Administration, Xi＇an Jiaatong Univ ersity, Xi＇ an 710049,China) |
| |
| Abstract: | This paper analyzes the concept of the“Reverse Mortgage（RM）”, then constructs the personal RM model and the family RM model; using the two models, calculates the annuity payment under the fixed value of the house, and the demands for the value of the house when the payment been given, This study finds out that, the alert line of the net value of the house under the RM is ￥136576,when the house value exceeds ￥227627, the RM can get to the disposable income of urban households, |
| |
| Keywords: | Reverse Mortgage support the Old-aged actuarial model |
| 本文献已被 维普 万方数据 等数据库收录！ |
|
