住房反向抵押贷款中物权问题的解决方式探讨  

On Solving the Problems of Housing Property of Reverse Mortgage Loan

作　　者：刘肖原[1] 

机构地区：[1]北京工商大学经济学院,北京100048

出　　处：《现代财经（天津财经大学学报）》2009年第10期36-40,共5页Modern Finance and Economics：Journal of Tianjin University of Finance and Economics

基　　金：教育部人文社会科学研究项目<新农村建设背景下中国金融业协调发展战略研究>(07JHQ0052);北京市教育委员会社科计划面上项目<市场化进程中的北京城市信用体系建设研究>(SM200910011001)资助

摘　　要：住房反向抵押贷款是用房产养老的一种较好模式,对解决我国老龄人口的养老问题具有积极意义。但以房养老的概念从20世纪90年代引进我国以来,至今也没有在中国得到推广,其制约因素有多种———包括观念问题、法律问题、技术问题等等,但首要的问题是住房反向抵押贷款的物权问题。本文专就我国各类产权房的物权问题进行分析,并对解决方案提出几点见解。Reverse housing mortgage loan is a better pattern of pension real estate. And it has a positive effect on solving the problem of population＇s aging in our country. However, the idea of housing endowment has not been popular for the past few years. There have been various restrictions such as legal system, technical problems and so on. In this paper, I make an analysis on the various types of property right and propose its solution.

关 键 词：反向抵押贷款 物权 土地年租制 

分 类 号：F280[经济管理—国民经济]