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反向抵押贷款最早出现荷兰,在美国发展壮大,这种贷款模式现已被很多国家广泛应用,如加拿大、澳大利亚等。中国已经进入老龄化社会,而相应的养老制度又不够完善,反向抵押贷款将对这一问题起到积极意义。本文阐述了反向抵押贷款在中国的运行状况,分析其所面临的问题,并通过对澳大利亚模式的参考借鉴给出一定的建议和解决办法。
Reverse mortgage loans first appeared in the Netherlands, growing up in the United States, this loan model has now been widely used in many countries, such as Canada, Australia and so on. China has entered an aging society, and the corresponding pension system is not yet perfect, reverse mortgage loans will play a positive on this issue. This article describes the operational status of reverse mortgage loans in China, analyzes the problems they face, and gives some suggestions and solutions through reference to the Australian model.