“以房养老”模式的影响因素研究——基于我国20个城市经济指标分析  

Influencing Factors of “Reverse Mortgage” Mode——Based on Economic Indicators of 20 Cities in China

作　　者：曹强[1,2] 张宇[1] 虞文美[1] 

机构地区：[1]安徽财经大学金融学院,安徽蚌埠233030 [2]上海财经大学国际工商管理学院,上海200433

出　　处：《北京邮电大学学报（社会科学版）》2014年第6期71-80,共10页Journal of Beijing University of Posts and Telecommunications(Social Sciences Edition)

基　　金：安徽财经大学科学研究基金项目(ACKY1444);安徽省省级大学生创新创业计划项目(AH201310378470);安徽财经大学资产价格与稳定特区基金项目(ACZCJGYJRWD20142D11)

摘　　要：利用SPSS对我国20个城市的经济发展和人口组成两大指标,即"以房养老"影响的四个因素(经济状况、养老设施总量、受教育程度和老龄化水平)进行主成分分析,提出了"以房养老"模式的试点应该在北京和上海两个城市率先开展。并且使用聚类分析法将20个城市划分为5类,并给出"以房养老"模式的试点城市的顺序,分析结果得出,"以房养老"在需求上存在明显的地域差异,传统观念和养老基础设施对"以房养老"的开展有重要影响。By using SPSS to make principal component analysis of two indicators of economic development and demographic composition , that is, four influencing factors of “reverse mortgage” （ economic conditions , the total pension facilities , education and aging level ） of 20 cities in our country , it is proposed that “reverse mortgage”pilot mode should be implemented first in Beijing and Shanghai.Also, cluster analysis is used to divide the 20 cities into five categories , and “reverse mortgage” pilot cities sequential mode is given.The results show that“reverse mortgage” has obvious geographical differences in demand , and traditional ideas and pension infrastruc-ture have significant influence on “reverse mortgage” .

关 键 词：老龄化 以房养老 主成分分析 聚类分析 

分 类 号：F241.34[经济管理—劳动经济]