北京航空航天大学学报(社会科学版) ›› 2015, Vol. 28 ›› Issue (1): 17-23.DOI: 10.13766/j.bhsk.1008-2204.2014.0246

• 公共政策与治理 • 上一篇    下一篇

美国住房反向抵押贷款养老模式及其启示

班晓娜, 李东阳   

  1. 辽宁师范大学 管理学院, 辽宁 大连 116029
  • 收稿日期:2014-05-26 出版日期:2015-01-25 发布日期:2015-01-24
  • 作者简介:班晓娜(1976-),女,满族,辽宁大石桥人,副教授,博士研究生,研究方向为养老保障.
  • 基金资助:

    2013年度辽宁省社会科学规划基金一般项目(L13BJY031)

Housing Reverse Mortgage Loan Endowment Patterns in the United States and Its Enlightenment

Ban Xiaona, Li Dongyang   

  1. School of Administration, Liaoning Normal University, Dalian Liaoning 116029, China
  • Received:2014-05-26 Online:2015-01-25 Published:2015-01-24

摘要:

中国老龄化问题日趋严重,住房反向抵押贷款养老模式是中国现有诸多养老模式的有益补充。美国住房反向抵押贷款养老模式在确保房屋所有者合法权益方面作了许多举措,通过提供不同类型的贷款模式,确立并完善了金融体系,满足了部分老年群体的养老需求。根据美国经验,要破除制约中国推行住房反向抵押贷款的障碍,弥补中国现有诸多养老模式的不足,需要以政府为主体,通过公共服务推行反向抵押贷款制度来补充中国的养老模式。

关键词: 反向抵押贷款, 养老模式, 居家养老, 机构养老, 互助养老

Abstract:

As the aging problem is getting increasingly serious,the mode of housing reverse mortgage loan seems to be a beneficial supplement of various endowment patterns in China. US housing reverse mortgage loan endowment pattern has made great efforts to ensure the legitimate rights and interests of the homeowners. By providing different types of loans,the US has established and perfected the financial system and met the needs of some elderly pensioners. Whit the experience from the US, to break the barriers in the implementation of housing reverse mortgage loan and make up for the lack of pension mode in China, Chinese government should adopt the system of reverse mortgage loan to supple the models of endowment through public service.

Key words: reverse mortgage loan, endowment pattern, home-based care for the aged, institutional pension, mutual endowment

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