少数民族地区城镇实施“以房养老”可行性与对策研究——以南宁市为例  

Feasibility of the “house-for-pension”program in the ethnic minority areas and relevant approaches:A case study at Nanning City

作　　者：殷俊[1] 覃延长[1] 

机构地区：[1]武汉大学社会保障研究中心,湖北武汉430072

出　　处：《云南民族大学学报（哲学社会科学版）》2016年第6期89-95,共7页Journal of Yunnan Minzu University(Philosophy and Social Sciences Edition)

基　　金：教育部人文社会科学重点研究基地重大项目"社会保障精算研究"(项目编号:11JJD840017);中央高校基本科研业务费专项资金项目"基于长期精算平衡的社会保险研究"(项目编号:2015115010201)阶段成果

摘　　要：中国自20世纪末进入人口老龄化社会以来,呈现老年人口占比速增、空巢化失能化加剧、社会家庭个人养老压力剧增等特征,"以房养老"作为一种补充性社会化养老方式,可在相当程度上有效化解老龄化所带来的矛盾,但上海等发达城市"以房养老"试点效果不甚理想。研究表明,南宁市作为少数民族地区省会城市具有制度环境、经济基础、房地产市场、金融业等"以房养老"供给和需求的特殊可行性,进而通过针对存在的制约因素,采取顶层设计、消除认知障碍、细分老年群体、转变思想观念等措施,推进南宁市成为全国率先顺利实施"以房养老"的突破口。Since the end of the 20 th century,China has entered the stage of an aging society,in which the proportion of the aging population has increased rapidly,while the empty- nest phenomenon and various kinds of the disabled have become more conspicuous,which has become a serious burden on the individuals,families and the society. As a supplementary socialized means of old- age care,the ＂house- for- pension＂program can help resolve the aging- related conflicts considerably,but the pilot programs of the＂house-for- pension＂in Shanghai and some other developed cities have not reached the desirable results. This case study at Nanning City（ the capital city of Guangxi Zhuang Autonomous Region） reveals the feasibility of the＂house- for- pension＂program as well as its supply and demand in the ethnic minority areas through an analysis of its institutional environment,economic foundation,real estate market and financial sectors,as well as its restriction factors. The approaches to its success include the proper top design,better understanding,a subdivision of the aging population,a timely ideological transformation,etc,which may help make Nanning City a pioneer in the successful implementation of the＂house- for- pension＂program.

关 键 词：以房养老 供给 需求 可行性 对策 

分 类 号：C913.9[经济管理]