我国城镇“以房养老”的困境和政府相应的解决措施分析

“以房养老”是一种新型的养老模式，这种模式有利于缓解我国当今日益严峻的养老压力和完善城镇养老保障体系。文章从我国城镇“以房养老”适用的群体和现实意义入手，进而分析城镇“以房养老”在具体实践中所遇到的困境，主要从公民的固有观念、房屋土地使用年限、金融机构的养老金额和安全性以及国家并没有制定相关具体政策五个方面进行分析，最后从政府的角度提出相应的解决措施。

On the Analysis of the Predicaments of House-for-Pension Program in Cities and the Countermeasures by the Government

House-for-pension program means using house property as the living means for the aged. It is a new aging pattern, which can help relieve the increasing pressure of supporting the aged in China and improve the elderly supporting system in cities. The paper first deals with the social groups to whom the house-for-pension program can be applied and its practical significance, and then gives a detailed analysis of the predicaments in practice when the program is applied in cities in terms of established notions of citizens, land tenure, pension fund and security of the financial institutions and the fact that the government has not made corresponding policies. Finally, the paper offers some countermeasures from the perspective of the government.