摘要
通过借鉴美国、英国、新加坡和法国等政府在住房反向抵押贷款养老模式中的积极举措,分析了我国推行住房反向抵押贷款的前提条件和优化路径。认为:住房反向抵押贷款业务的政策性较强,政府需要制定全面系统的政策,完善各种配套措施;此外,还应该加快房地产市场的多元化发展,通过宣传教育加强老年人的住房市场化意识。
The paper studied governments＇ positive measures taken in reverse mortgage loan in the United States, Great Britain, Singapore and France and analyzed the prerequisites and ways of improvement of implementing reverse mortgage loan in China. The paper has the following conclusions, reverse mortgage loan needs great policy support so that the government should formulate all-round systematic policies and improve supplementary measures. Moreover, we should also accelerate the diversified development of the real estate market and raise the elderly residents＇ market awareness of housing thought education campaign.
出处
《金融理论探索》
2016年第3期18-24,共7页
Exploration of Financial Theory
基金
四川省社会科学"十二五"规划2014年度项目(SC14C020)
关键词
住房反向抵押贷款
以房养老
国际经验
housing reverse mortgage loan
house-for-pension program
international experience
