我国推行以房养老的现状,对策及展望 [摘要]近年来,伴随着中国城市化道路进程的不断发展,中国人口结构老龄化问题突出,现有的社会养老方式还不能有效解决中国的养老问题。“以房养老”是一种新型的养老基金来源模式,在中国实行“以房养老”政策,是一种有效地解决养老压力的模式。 以房养老模式的本土化成为焦点,国内学者纷纷提出了对此问题的见解。本文对有关“以房养老”模式这一课题的研究进行了文献综述,就以房养老模式的涵义、发展现状、发展的现实意义、实施障碍和建议等几个方面进行总结,以能够为日后相关研究和我国养老事业的发展提供参考。 [关键词]老龄化 以房养老 反向抵押贷款 abstract inrecentyears,withchina'surbanizationprocessofdevelopment,china'spopulationstructureagingproblems,theexistingsocialendowmentmodecan'teffectivelysolvechina'spensionproblems."totheroomendowment"isanewtypeofpensionfundsourcepattern,inchinaimplements"totheroomendowment"policy,isakindofeffectivelysolveendowmentpressuremodel. enjoylifewiththebuildingmodelocalizationbecomefocus,domesticscholarshaveputforwardopinionstothisproblem.inthispaper,therelevant"enjoylifewiththebuildingmodethistopicresearchisaliteraturereview,themeaningoflifewiththebuildingmode,developmentpresentsituation,thedevelopmentofpracticalsignificance,implementationbarriersandthesuggestionandsoonseveralaspectscarryonthesummary,toforfuturerelatedresearchandthedevelopmentofthecauseofchina'sendowmenttoprovidethereference. keywordsenjoylifewiththebuildingreversemortgageloan 目录 摘要.............................................................................................................1abstract.......................................................................................................2目录.............................................................................................................31以房养老国内外研究现状.....................................................................11.1国外研究现状.............................................................................11.2国内研究现状.............................