| 住房反向抵押贷款:我国养老保障制度的新探索 |
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| 引用本文： | 依红梅.住房反向抵押贷款:我国养老保障制度的新探索[J].青岛农业大学学报(社会科学版),2006,18(3):37-39. |
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| 作者姓名： | 依红梅 |
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| 作者单位： | 华中科技大学,土木工程与力学学院,湖北,武汉,430079 |
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| 摘 要： | 随着人口老龄化的到来,我国老年人的社会保障体系面临着沉重的经济压力。与此同时,住房改革的深入已使越来越多的城市家庭拥有了自己的房产,住房已经成为大多数家庭私人财产的主要组成部分。有了这一物质基础,就有可能将健全老年社会保障体系与居民已经取得的住房产权很好地结合起来,解除老年人养老的忧虑,“住房反向抵押贷款”正是由此而生的一个有价值的创新性设想。本文就住房反向抵押贷款在我国的推行进行了分析。
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| 关 键 词： | 住房 反向抵押贷款 养老保障 |
| 文章编号： | 1008-7141(2006)03-0037-03 |
| 修稿时间： | 2006年3月12日 |
Housing Reverse Mortgage Loan:the New Exploration of National Cares for the Aged Safeguard System |
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| YI Hong-mei.Housing Reverse Mortgage Loan:the New Exploration of National Cares for the Aged Safeguard System[J].Journal of Laiyang Agricultural College(Social Science Edition),2006,18(3):37-39. |
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| Authors: | YI Hong-mei |
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| Abstract: | Along with the arrival of population old age,the social security system of senior citizens in our country is facing the serious economical pressure.At the same time,as the housing reform enables more and more city(families) to have own real estate,the housing has already become the private property of major families.Based on this,it(becoms)possibilie to connect the promotion of the social security system of old age and the ownership of house that inhabitants have already obtained and relieve the senior citizen of their anxiety for care."The housing reverse(mortgage) loan" is precisely a fresh valuable innovation tentative plan.This article mainly analyzed the(implementation) of the housing reverse mortgage loan in our country. |
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| Keywords: | housing reverse mortgage loan cares for the aged the safeguard |
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