湖南省开展住房反向抵押养老保险的分析  

作　　者：王鹏飞[1] 张虹[1] 

机构地区：[1]湖南大学金融与统计学院,湖南长沙410079

出　　处：《保险职业学院学报》2016年第2期46-49,共4页Journal of Insurance Professional College

摘　　要：住房反向抵押养老保险作为一种自助养老的金融工具,能为老年群体提供养老经济来源,缓解家庭的养老压力,减轻政府负担,也能促进保险、金融、房地产等多行业的共同发展。本文以湖南省为研究对象,分别从必要性、有利条件和不利因素三个方面对其开展住房反向抵押养老保险进行分析,希望能为完善湖南省养老制度提供借鉴。As a self--service pension financial instrument, housing reverse mortgage pension insur- ance can provide pension financial resources for the aged group, relieve pension pressure on families, lighten the burden of government, as well as facilitate the mutual development of the insurance, finance, real estate and other sectors. This essay regards Hunan Province as the research object to analyze the housing reverse mortgage pension insurance from its necessity, favorable and unfavorable factors respec- tively, hoping to provide a reference for improving the pension system in Hunan Province.

关 键 词：老龄化 住房反向抵押 可行性 

分 类 号：F840.612[经济管理—保险]