人口老龄化背景下的住房反向抵押贷款——杭州市的需求分析

摘  要：住房反向抵押贷款对于正处于经济积累发展阶段、已步入老龄化社会、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。本文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。并且基于对杭州市的数据调查，分析了影响住房反向抵押贷款需求的因素及其障碍，希望能对浙江省在实际操作住房反向抵押贷款中有所帮助和启示，缓解家庭与社会的养老压力，也为老年人的晚年生活提供多一份的保障。
关键词：住房反向抵押贷款；养老模式；需求分析

Aging of the Population In the Context of the Reverse Mortgage

——Hangzhou Needs Nnalysis

Abstract：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. And based on the investigation of Hangzhou , analyse the factors and barriers that impact the demand of housing reverse mortgages, which can further improve the reverse mortgage system related to the measures and recommendations, hoping to home in Zhejiang Province, in actual practice the reverse mortgage loan can help and inspiration to ease the family and the community old-age pension pressure, but also for the elderly in their twilight years of life provide a guarantee.
Key  words: Reverse mortgage; Pension pattern; Requirements analysis

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