住房反向抵押贷款的需求分析——基于北京市的相关调查数据  

Empirical Study on Demand for Housing Reverse Mortgage:Based on Survey Data about Beijing

作　　者：张冉[1] 范子文[2] 

机构地区：[1]中国人民大学农业与农村发展学院,北京100872 [2]中国农业大学经济管理学院,北京100193

出　　处：《技术经济》2009年第9期88-94,共7页Journal of Technology Economics

基　　金：国家社会科学基金项目(07bjy051);北京市哲学社会科学"十一五"规划项目(06BaJG0093)资助

摘　　要：住房反向抵押贷款是一种新型的住房金融产品,也是实现以房养老的金融工具。本文基于北京市的调查数据,通过建立多元选择模型,分析了影响住房反向抵押贷款需求的因素及其原因。研究结果表明:影响住房反向抵押贷款需求的直接因素主要有房主的实际年龄、性别、学历、收入、支出水平;间接因素主要有社会传统习惯和观念、养老方式等;另外,征收遗产税对发展住房反向抵押贷款有正向促进作用,且税率越高,其影响就越大。Based on the survey data about Beijing,a multiple-selection mathematical model is established to analyze the factors influencing the demands for housing reverse mortgage as well as the reasons generating and rejecting these demands. The results show that,the main direct factors influencing the demands for housing reverse mortgage are actual age,gender,education background, monthly income and expenditure level of home owner,and the indirect factors are social tradition and the way of pension. Moreover,imposing heritance duty will play positive roles in promoting the development of housing reverse mortgage,and the higher the tax rate,the greater the impacts.

关 键 词：住房反向抵押贷款 贷款需求 多元选择模型 

分 类 号：F832.45[经济管理—金融学]