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业务属性特点、参与主体特点和业务风险特点决定了必须加强对反向抵押养老保险的监管在老龄化进程不断加快的背景下,传统的家庭养老和社会养老保障体系所承受的压力越来越大。而以房养老因其对建立健全多元化、多层次的社会养老服务体系等方面的积极意义,正受到越来越多的关注和推动。我国自2006年以来一直在探讨研究这一养老方式,2013年国务院发布了《关于加快发展养老服务业的若干意见》,明确提出
The characteristics of the business attributes, the characteristics of the participating parties and the characteristics of the business risks determine the need to strengthen the supervision over the reverse mortgage pension insurance. Under the background of the aging process, the pressure on the traditional family pension and social pension insurance system is under increasing pressure . However, the positive meaning of housing for the elderly in establishing and improving a diversified and multi-level social pension service system is receiving more and more attention and promotion. Since 2006, China has been studying and studying this way of pensions. In 2013, the State Council issued “Several Opinions on Accelerating the Development of Pension Services,” and clearly put forward