保险学-住房反向抵押养老保险产品创新研究

住房反向抵押养老保险产品创新研究【摘要】近年来，我国开始试行一种新型养老模式——住房反向抵押养老保险，这在一定程度上缓解了老龄化带来的社会不公问题。本文通过采取文献研究法、比较分析法进行研究，对住房反向抵押养老保险试点情况分析，首先对其试点现状和需求分析。从政策环境和供需求对其现状分析，接着对其试点难题分析发现主要由于传统观念影响、金融市场不够完善、房价波动、相关法律、法规不全等问题。接着对美国、英国、法国、新加坡的住房反向抵押经验进行分析。最后，对全篇进行总结，提出以下几点建议：建立由政府主导型的运行模式，完善土地所有权产权期限、完善相关法律法规。【关键词】老龄化；住房反向抵押养老保险；养老模式注：本论文（设计）题目来源于教师的国家级（或省部级、厅级、市级、校级、企业）科研项目，项目编号为： 。Research on the innovation of housing reverse mortgage pension insurance products[Abstract] In recent years, China has begun to experiment with a new type of old-age pension insurance, housing reverse mortgage pension insurance, which alleviates the social injustice caused by aging to a certain extent. This paper adopts paper literature research method and comparative analysis method to conduct research, and analyzes the pilot situation of housing reverse mortgage endowment insurance. Firstly, it analyzes the current situation and demand of the pilot. It is found that the reverse mortgage pension insurance is still a minority product, which has not been accepted by the majority of the elderly, Analysis of its current situation from the policy environment and demand。 Then the analysis of its pilot problems found that mainly due to the influence of traditional ideas, financial market is not perfect, housing prices fluctuate, related laws and regulations are not indeed lost and so on. Then the United States, the United Kingdom, France, Singapore's experience of reverse mortgage housing analysis. Finally, the...