论个人自主性养老保障模式的创新---基于住房反向抵押贷款的思考

随着我国人口老龄化程度日益加剧,养老保障问题越发突出,社会养老保障制度也面临着巨大压力。由于基本养老保险只是提供基本层次的保障,如果有更高的保障需求就得依靠其他补充性质的养老保障制度。据此,本文提出个人自主性养老保障概念,并以住房反向抵押贷款为研究对象,分析我国发展住房反向抵押贷款的必要性,并细致剖析其发展障碍,最后提出构建我国住房反向抵押贷款制度的政策建议。

A study on the innovation of individual autonomy of old-age care security mode

With the aggravation of population aging in China,the pension security problems become more and more serious,and social endowment insurance system faces huge pressure.Because basic endowment insurance only provides insurance at basic level,other complementary old-age-care systems are needed for the life of old people who have higher requirement.Thus,the author points out the concept of autonomous old-age-care security,takes housing reverse mortgage loan as research object,analyzes the necessity for the development of housing reverse mortgage loan in China,analyzes in detail its development barriers and finally gives policy suggestion for constructing China’s housing reverse mortgage loan system.