中国“以房养老”模式发展的障碍研究  

Study on "Reverse-mortgage Loan" Development Impediment in China

作　　者：窦雨静 孙逸文 DOU Yu-jing;SUN Yi-wen(Business Department,Hunan University of Science and Technology,Xiangtan Hunan 411201,China)

机构地区：[1]湖南科技大学商学院

出　　处：《兰州工业学院学报》2019年第4期92-98,共7页Journal of Lanzhou Institute of Technology

摘　　要：由于之前实行多年的计划生育政策,使得我国老龄化加速,单纯依靠现有的养老模式已经远远不能解决养老难题。主要研究提出已久的、最近比较有争议的养老方案——“以房养老”,结合我国的法律、政策、市场等具体情况分析该方案在我国施行的障碍,并提出了可行性建议。One-child family planning policy that has been carried out many years leads to speed up the pace of population aging and just relying on the existing endowment pattern to handle with the problem of supporting old people is far from enough."Reverse-mortgage Loan"will become an important supplement of our pension security system.In this paper,the legislation,policy and market of"reverse-mortgage Loan"in our country are mainly studied and several practical suggestions are put forward that may let it to be carried out successfully.

关 键 词：“以房养老” 法律障碍 老龄化 

分 类 号：F124.7[经济管理—世界经济]