以制度保障为突破口开展“以房养老”试点

在发达国家,＂以房养老＂已发展为覆盖面最广、效果最显著的市场化养老模式之一,而政府的配套政策支持是其成功的重要原因。反思上海＂以房养老＂试点所面临的操作瓶颈,借鉴美国＂以房养老＂的经验,上海应强化政府职能,加大配套政策支持,完善制度保障,形成一套有担保、有监督、有规范,政府加市场兼营的＂以房养老＂运作模式,以吸引银行、保险等市场机构广泛参与。

To Carry Out ＂House--FormPension＂ Experiment by Strengthening the Systematic Guarantee

In the developed countries, ＂house--for--pension＂ has been one of the market pension model that is the most extensive coverage and the most significant. Why could they do like this？ One of the most important reason is the policy support from government. By reflecting the difficulties Shanghai has been facing when carrying out ＂house--for--pension＂ experiment, and borrow insights from America, Shanghai should take actions as follow： the government should strengthen the functions of the government, focus on institutional guarantee to make effective policy that support the experiment, then, to form a set of ＂house for pension＂ modes which is governed by both government and market, with guarantee, supervision and standardize, to attract more market mechanism, such as bank,＇ insurance to participate in.