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“以房养老”的最终目的在于置换出房屋的资金为养老的现期资金,以提高老人有效需求的支付能力今年9月国务院出台《关于加快发展养老服务业的若干意见》,其中在发展老龄金融业部分,提出了将开展“老年人住房反向抵押养老保险”业务的“以房养老”试点工作。该业务的试点主要是借鉴欧美等发达市场经济国家在该方面的比较
The ultimate goal of “providing end-of-life housing for the elderly” is to replace the existing funds of the housing with current funds for endowment care in order to improve the ability of the elderly to pay for the effective demand. In September this year, the State Council issued the “Opinions on Accelerating the Development of the Elderly Service Industry” Development of the part of the elderly financial industry, proposed to carry out “old-age housing reverse mortgage pension ” business “housing pension ” pilot. The pilot of this business mainly draws lessons from the comparison between developed market economy countries such as Europe and the United States in this respect