论文部分内容阅读
目前,我国人口老龄化问题的日趋严重,养老保障面临着巨大压力,如何以市场化方式特别是以信贷模式解决我国养老保障问题成为很多学者关心的问题。美国在反向抵押贷款养老模式已运行了近15年之久,取得了一些成功经验,他山之石,可以攻玉,本文以美国现行的反向抵押贷款的运作模式进行研究、分析,试图为我国反向抵押贷款养老运行机制构建提供理论依据及经验借鉴。
At present, the problem of population aging in our country is becoming more and more serious, and endowment insurance is under tremendous pressure. How to solve the problem of endowment insurance in our country by means of marketization, especially the credit model has become a concern for many scholars. The United States has been running the reverse mortgage loan model for nearly 15 years and has made some successful experiences. The stone of other hills can be used to attack the jade. This article studies, analyzes and attempts the current mode of reverse mortgage loan operation in the United States. Provide theoretical basis and experience for the construction of pension operating mechanism of reverse mortgage in China.