摘要
随着我国人口老龄化程度日益加剧,养老保障问题越发突出,社会养老保障制度也面临着巨大压力。由于基本养老保险只是提供基本层次的保障,如果有更高的保障需求就得依靠其他补充性质的养老保障制度。据此,本文提出个人自主性养老保障概念,并以住房反向抵押贷款为研究对象,分析我国发展住房反向抵押贷款的必要性,并细致剖析其发展障碍,最后提出构建我国住房反向抵押贷款制度的政策建议。
With the aggravation of population aging in China,the pension security problems become more and more serious,and social endowment insurance system faces huge pressure.Because basic endowment insurance only provides insurance at basic level,other complementary old-age-care systems are needed for the life of old people who have higher requirement.Thus,the author points out the concept of autonomous old-age-care security,takes housing reverse mortgage loan as research object,analyzes the necessity for the development of housing reverse mortgage loan in China,analyzes in detail its development barriers and finally gives policy suggestion for constructing China＇s housing reverse mortgage loan system.
出处
《重庆工商大学学报（社会科学版）》
2012年第2期7-11,共5页
Journal of Chongqing Technology and Business University：Social Science Edition
基金
华侨大学科研基金项目(10BS102)
关键词
人口老龄化
养老保障
个人自主性养老
住房反向抵押贷款
population aging
endowment insurance
individual autonomy of the old-age-care security
housing reverse mortgage loan
