未来在我国农村实行住房倒按揭存在的障碍及应对之策

未来在我国农村实行倒按揭有利于形成父子间的新型＂代际关系＂,有利于维护社会的稳定,有利于拉动国民经济的增长,但现时期在我国农村实施住房倒按揭,受到伦理困局,银行积极性不高,倒按揭运作的经济法律制度不规范等中国国情的阻碍。为了使倒按揭业务在我国农村顺利开展,应采取以下主要措施：政府应加大对倒按揭业务的宣传和鼓励,培养新型的养老观念;政府在相关领域进行制度创新;先进行试点后逐步推广,倒按揭业务应有专门机构来运作;建立健全倒按揭的相关法律制度等。

The Reasons and the Suggestions on the Policy of Housing Reverse Mortgage in Rural Areas

The policy of housing reverse mortgage enforcing in rural areas will benefit forming a new type relation of generations,safeguarding social stability and promoting the increase of national economy.But the policy will not be enforced smoothly due to the following factors： the traditional inheriting problem,the low positivity of banks and the nonstandard law and economic system.To conquer the above barriers,the measures which make the operation of reverse mortgage enforce smoothly are included： the cultivation of new conception of providing for the aged,making professional cooperation carried out reverse mortgage,setting up correlating financial policy and law system on the reverse mortgage.