反向抵押贷款:养老保障新视角  

Reverse Mortgage: A New View of Old-age Security

作　　者：陈泽华[1] 袁友文[1] 

机构地区：[1]武汉科技大学文法与经济学院,湖北武汉430065

出　　处：《中国地质大学学报（社会科学版）》2006年第5期31-34,共4页Journal of China University of Geosciences(Social Sciences Edition)

摘　　要：我国正快速步入老龄化社会,养老压力日益突出,传统养老模式已不能满足市场经济条件下人们对养老的需求。作为避免老龄化危机的有效途径,反向抵押贷款在美国取得了巨大的成功。文章分析了在我国实施反向抵押贷款的必要性和可行性,并指出了存在的风险。With the rapid population aging in China, the pressure of supporting the old comes to be a big issue. The traditional models cannot meet the requests under market-oriented economy conditions. Reverse mortgage, which is another effective way to avert the old age crisis, has achieved a great success in America. This paper not only analyses the necessity and the feasibility for carrying out the reverse mortgage, but also points out its existing risks.

关 键 词：反向抵押贷款 养老保障 住房 

分 类 号：F840.67[经济管理—保险]