住房养老保险模式及其微观经济效应分析

我国正迅速步入老龄化社会 ,养老压力日益突出 ,传统养老模式已不能适应和满足市场经济条件下的养老需求。房产一般是家庭主要财富之一 ,但由于流动性差 ,在养老过程中其价值未得到充分利用。本文尝试通过一种新的模式设计 ,将房产价值和养老有机结合起来 ,提出住房养老保险模式 ,并从微观层面对其经济效应进行深入分析。

Home Equity Pension Insurance Model and its Microeconomic Effect Analysis

With the rapid population aging in China,the pressure of supporting the old comes to be a big issue. The traditional models can't meet the requests under market-oriented economy conditions. As one of the most valuable wealth of families,home equity have not been used sufficiently in supporting the old due to the low liquidity. Through designing a new model-home equity pension insurance model,the authors attempt to combine home equity with supporting the old,and make a deep analysis from microeconomic perspectives.