我国推行“以房养老”的困境及突破  

The Obstacles and Countermeasures of Promoting the “House for Pension Program” in China

作　　者：邓保同[1] 袁书玮 

机构地区：[1]华中师范大学经济与工商管理学院,湖北武汉430079

出　　处：《中国房地产》2016年第15期11-19,共9页China Real Estate

基　　金："我国住房公积金制度改革方案研究"(编号:13BYJAZHOO6);教育部重大项目"建立公开规范的住房公积金制度研究"(编号:14JZD028);国家社科基金重点项目"我国住房公积金制度困境与改革创新研究"(编号:15AGL018)

摘　　要：针对我国城市老龄化加剧和家庭、社会养老压力较大的现实问题,说明了实行"以房养老"的紧迫性和必要性。通过分析"以房养老"的基础机制和梳理利用房屋产权转换为资金和服务的方式分析其现实困境。针对各种困境提出了注入政府信用、开发多元化的产品、丰富养老院业务经营范围和放开私有产权限制等方案,以期推动我国"以房养老"业务的开展。Aiming at the increasing aging in urban areas of China and high pressure of family supporting and social provision for the aged, this paper points out the urgency and necessity of implementing the ＂House for Pension Program＂ .By analyzing the basic mechanism of the program and trimming a series of patterns of changing the equity to fund or service to analyze their obstacles Aiming at those obstacles finds out break-through route, puts forward a number of break-through programs such as injecting credit of government, developing diversified products, enrich the business scope of the nursing institution for the aged and liberalize the confine of the equity to promote the development of the ＂House for Pension Program＂.

关 键 词：“以房养老” 紧迫性 困境 突破方案 

分 类 号：F299.23[经济管理—国民经济] D669.6[政治法律—政治学]