长三角地区住房反向抵押养老保险需求研究--基于“医养结合”一体化视角  

On Demand of Housing Reverse Mortgage Endowment Insurance in the Yangtze River Delta--From the Perspective of Integration of "Combination of Medicare and Endowment Insurance"

作　　者：王军[1] 郑岩松 Wang Jun;Zheng Yansong(Anhui University of Finance and Economics,Bengbu 233000,China)

机构地区：[1]安徽财经大学金融学院,安徽蚌埠233000

出　　处：《新疆财经》2020年第2期51-57,共7页Finance & Economics of Xinjiang

基　　金：安徽省哲学社会科学规划项目“长三角地区‘医养结合’一体化养老服务金融体系构建研究”(AHSKY2019D088)。

摘　　要：我国人口老龄化问题凸显,给传统社会养老保障体系带来巨大挑战。住房反向抵押养老保险作为"医养结合"养老模式下的新型商业养老保险,可拓宽养老金融筹资渠道,缓解社会养老压力。本文在对长三角地区人口老龄化背景下住房反向抵押养老保险需求情况进行问卷调查的基础上,运用logistc回归模型和交叉列表分析法对数据进行了分析,认为我国推行住房反向抵押养老保险应在政府推动下进行。At present, population aging in the Yangtze River Delta is prominent, which brings great challenge to the traditional social pension security system. Housing reverse mortgage endowment insurance, as a new type of commercial pension insurance under the mode of "combination of medicare and pension", can broaden the financial financing channels for pension and relieve the pressure of social pension.Based on the questionnaire survey on the demand of housing reverse mortgage endowment insurance in the aging population of Yangtze River Delta region, and the data analysis by logistc regression model and cross-list analysis method, the paper proposes that housing reverse mortgage endowment insurance should be promoted by the government.

关 键 词：人口老龄化 “医养结合”养老模式 住房反向抵押养老保险 社会养老保险体系 养老产业 长三角一体化 

分 类 号：F840.67[经济管理—保险]