摘要
我国正迅速步入老龄化社会 ,养老压力日益突出 ,传统养老模式已不能适应和满足市场经济条件下的养老需求。房产一般是家庭主要财富之一 ,但由于流动性差 ,在养老过程中其价值未得到充分利用。本文尝试通过一种新的模式设计 ,将房产价值和养老有机结合起来 ,提出住房养老保险模式 ,并从微观层面对其经济效应进行深入分析。
With the rapid population aging in China,the pressure of supporting the old comes to be a big issue. The traditional models can't meet the requests under market-oriented economy conditions. As one of the most valuable wealth of families,home equity have not been used sufficiently in supporting the old due to the low liquidity. Through designing a new model-home equity pension insurance model,the authors attempt to combine home equity with supporting the old,and make a deep analysis from microeconomic perspectives.
出处
《人口与经济》
CSSCI
北大核心
2004年第3期70-75,共6页
Population & Economics
关键词
住房养老保险模式
福利增进
房产价值重估
Home Equity Pension Insurance Model
Welfare Increasing
Home Equity Reevaluation
