反向住房抵押贷款:提高养老保险水平的新途径  

Reverse Mortgage Loans: a New Pathway of Improving the Endowment Insurance

作　　者：武大雪[1] 

机构地区：[1]新疆财经大学金融学院,乌鲁木齐830012

出　　处：《新疆财经》2008年第2期60-62,共3页Finance & Economics of Xinjiang

摘　　要：随着我国人口老龄化程度的不断加深,社会保障压力日显突出。反向住房抵押贷款在国外被认为是一种非常理想的个人理财方式,这种方式实现了以房养老,既提高了老年人的生活质量,又减轻了国家社会保障的压力,因此,它对于缓解我国的人口老龄化危机具有重要的现实意义。Along with the deepening of China＇ s aging population, social security has some obvious pressures. Reverse mortgage loans in foreign countries are considered as an idealized personal financial management which achieves the housing endowment, improving the quality of life of the old and alleviating the pressure on the national social security. Therefore, it is of great practical significance in easing the crisis of aging problem in China.

关 键 词：养老金 反向住房抵押贷款 

分 类 号：F832.4[经济管理—金融学]