论文部分内容阅读
随着我国老年人比例的日益增加,养老问题在我国也日益突出。作为提高老年人生活质量、解决养老问题的一种方式,倒按揭制度一经提出立即在社会上引起了很大反响。批评和赞扬接踵而至。笔者试图从提高老年人生活质量、缓解社会保障体系的压力和完善社会保障体系、带动相关产业发展和缓解就业压力、拓展银行业务四个方面论证在我国实行倒按揭制度的必要性。并建议通过法律、政策等手段解决倒按揭制度在我国实行所面临的困难,找到适合我国现状的倒按揭模式。
With the increasing proportion of the elderly in China, the issue of pension is increasingly prominent in our country. As a way to improve the quality of life for the elderly and solve the problem of pensions, the system of inverted mortgages has aroused great repercussions in the community immediately. Criticism and praise come one after another. The author tries to demonstrate the necessity of implementing the system of mortgage-back in our country from four aspects: improving the life quality of the elderly, relieving the pressure of the social security system, perfecting the social security system, driving the development of related industries and easing the employment pressure, and expanding the banking business. It also suggests that laws and policies should be used to solve the difficulties faced by the inverted mortgage system in our country and to find an inverted mortgage model that suits the status quo in our country.