摘要
住房反向抵押贷款对于正处于经济积累发展阶段、刚刚步入老龄化社会、各项养老保障制度尚待充实完善的中国社会而言,是一个崭新的事物。通过对住房反向抵押贷款的概述,借鉴国外住房反向抵押贷款成功运作的基本经验,同时结合我国客观实际情况,指出我国现阶段实施住房反向抵押贷款所面临的机遇和挑战。在此基础上对我国实施住房反向抵押贷款的运作模式进行设计,并对运作过程中的各参与方、运作流程、资金流向进行详细分析,同时指出一些在运作过程中亟需解决的问题。
Reverse mortgage is a brand new thing in China, in which economy is on a stage of cumulative development, the society is beginning to be faced with population aging and retirement person system is to be improved. This paper gives a brief account of housing reverse mortgage loans, references to the basic experience of successful operation about foreign housing reverse mortgages, combined with the objective of China＇s actual situation, pointing out those opportunities and challenges if china implements the housing reverse mortgage loan at the present stage. On this basis, designing the mode of operation of the housing reverse mortgages, at the same time, carried out a detailed analysis of the parties, operational procedures, capital flows, but also pointed out some of the urgent problems need to solve in the operation process.
出处
《创新》
2009年第12期34-36,共3页
Innovation
关键词
住房反向抵押贷款
运作模式
运作机制
housing reverses mortgage loan
operation model
operation flow
作者简介
西安建筑科技大学管理学院硕士研究生，陕西西安710055
西安建筑科技大学管理学院副教授、硕士生导师，陕西西安710055
