我国住房反向抵押贷款运作模式研究

住房反向抵押贷款对于正处于经济积累发展阶段、刚刚步入老龄化社会、各项养老保障制度尚待充实完善的中国社会而言，是一个崭新的事物。通过对住房反向抵押贷款的概述，借鉴国外住房反向抵押贷款成功运作的基本经验，同时结合我国客观实际情况，指出我国现阶段实施住房反向抵押贷款所面临的机遇和挑战。在此基础上对我国实施住房反向抵押贷款的运作模式进行设计，并对运作过程中的各参与方、运作流程、资金流向进行详细分析，同时指出一些在运作过程中亟需解决的问题。

Research on Chinese Housing Reverse Mortgage Model

Reverse mortgage is a brand new thing in China, in which economy is on a stage of cumulative development, the society is beginning to be faced with population aging and retirement person system is to be improved. This paper gives a brief account of housing reverse mortgage loans, references to the basic experience of successful operation about foreign housing reverse mortgages, combined with the objective of China’s actual situation, pointing out those opportunities and challenges if china implements the housing reverse mortgage loan at the present stage. On this basis, designing the mode of operation of the housing reverse mortgages, at the same time, carried out a detailed analysis of the parties, operational procedures, capital flows, but also pointed out some of the urgent problems need to solve in the operation process.