浅析“以房养老”在我国的发展及运行中的政府作用  

The Brief Analysis of the Government Function for "Cares for the Old-age by Housing" in Chinese Developing and Operating

作　　者：宋绪男[1] 李乐[1] 

机构地区：[1]山东经济学院,济南250014

出　　处：《价值工程》2009年第10期166-168,共3页Value Engineering

摘　　要：目前,我国正在快速地步入老龄化社会。养老的危机对政府、社会的养老责任形成了挑战。而单纯地依靠现有的社会保障制度和家庭养老模式,短期内很已难满足现实中养老压力的需求。在这种条件下,"以房养老"作为自我养老的一种方式,对传统的养老模式是一种良好的补充,在提高老年人的经济收入和生活质量的同时,还可以缓解我国的养老压力。因此,对"以房养老"模式进行深入的分析,并探讨制度运行中政府的作用,有着深远的理论意义和现实意义。人口老龄化的到来,使养老的压力逐渐加大,客观上进一步要求开拓养老金的来源渠道,放宽养老的思路,使养老方式呈现多元化发展。起源于荷兰的"以房养老"模式,现已在世界上20多个国家相继推出,成为全世界老年人改变传统生活方式、享受高质量生活和实现生活效用最大化的重要途径。At present, China marches into aging society rapidly, the crisis on the government pension challenges social responsibility of caring for the old-age. It is very difficult to meet the demand for old-age pressure in reality in a short period just simply relying on existing social security system and the family system. In such conditions, as a way of self-caring for the old, ＂cares for the old-age byhousing＂ is a good supplement to the traditional model.lt can also ease the pressure on China＇s pension,while raising incomes and quality of life of the old age. Therefore, It has far-reaching theoretical and practical significance to anaylyse the pattern of ＂cares for the old-age by housing＂ and explore the function of the government in system operation.

关 键 词：“以房养老” 住房反向抵押贷款 政府 

分 类 号：F840.67[经济管理—保险]