美国住房反向抵押贷款养老模式及其启示

中国老龄化问题日趋严重，住房反向抵押贷款养老模式是中国现有诸多养老模式的有益补充。美国住房反向抵押贷款养老模式在确保房屋所有者合法权益方面作了许多举措，通过提供不同类型的贷款模式，确立并完善了金融体系，满足了部分老年群体的养老需求。根据美国经验，要破除制约中国推行住房反向抵押贷款的障碍，弥补中国现有诸多养老模式的不足，需要以政府为主体，通过公共服务推行反向抵押贷款制度来补充中国的养老模式。

Housing Reverse Mortgage Loan Endowment Patterns in the United States and Its Enlightenment

As the aging problem is getting increasingly serious ,the mode of housing reverse mortgage loan seems to be a beneficial supplement of various endowment patterns in China .US housing reverse mortgage loan endowment pattern has made great efforts to ensure the legitimate rights and interests of the homeowners .By providing different types of loans,the US has established and perfected the financial system and met the needs of some elderly pensioners .Whit the experience from the US , to break the barriers in the implementation of housing reverse mortgage loan and make up for the lack of pension mode in China , Chinese government should adopt the system of reverse mortgage loan to supple the models of endowment through public service .