我国住房反向抵押养老保险模式研究

发布时间：2018-04-23 14:03

本文选题：以房养老 + 保险业　；参考：《西南政法大学》2015年硕士论文

【摘要】：我国老龄化社会的步伐日益加速,呈现未富先老的局面。加之计划生育政策的推行,我国出现典型“四二一”家庭结构,对现存的养老保障体系提出了挑战。仅仅依靠主流的社会养老和传统居家养老方式,难以应对日益严峻的老龄化危机。老龄化是一个世界性难题,国际上的许多发达国家先于我国面临这一困境。在应对老龄化加剧引发的养老危机问题上,外国开始推行以房养老,将其作为养老保障体系的延伸与创新,并取得较大成功。目前国内也面临类似问题,可以借鉴国际上的成功做法,考虑以房养老这种新型养老方式。2014年国务院正式提出“开展住房反向抵押养老保险试点”,此项工作被解读为我国保险业探索以房养老的新模式。本文将“我国住房反向抵押养老保险模式研究”为选题,分析在我国推出保险版反向抵押养老产品的整体思路,以期为试点工作顺利进行,建立健全产品丰富、层级多元的养老保障体系做出贡献。本篇文章总共分为五个部分。第一部分主要介绍国内各地以房养老相关业务的探索情况,结合不同机构提供产品的具体情况,各自分析其失败的原因;第二部分着重揭示当前外部环境下,我国金融机构开展反向抵押养老保险工作的现实阻碍;第三部分进而考察国际上的成功制度及其产品设计原理,从中吸取经验;第四部分为文章重点,我国的住房反向抵押养老保险模式构建,结合构建该模式所需的各个要素,阐述保险公司在开展住房反向抵押养老保险业务中的定位、机遇和风险,建立起适合我国国情的特有模式;最后一部分针对全文进行总结和思考,提出反向抵押保险具体的运作流程,希望能为我国养老保障机制之完善提供有效补充。
[Abstract]:The pace of aging society of our country accelerates day by day, present the situation of old before rich. In addition, with the implementation of family planning policy, there is a typical "41" family structure in our country, which challenges the existing old-age security system. It is difficult to cope with the increasingly severe aging crisis only by relying on the mainstream social pension and traditional home-based old-age care. Aging is a worldwide problem, and many developed countries face this dilemma before China. In response to the aging crisis, foreign countries began to implement housing as the extension and innovation of the old-age security system, and achieved great success. At present, China is also facing similar problems. We can draw lessons from successful international practices and consider using housing as a new type of old-age pension. In 2014, the State Council formally proposed "developing a pilot project of housing reverse mortgage old-age insurance." This work is interpreted as a new model for the insurance industry in our country. This article will "our country housing reverse mortgage endowment insurance model research" as the topic, analyzes the overall idea of introducing the insurance version reverse mortgage endowment product in our country, in order to carry on smoothly for the pilot work, establish and perfect the product rich, Multiple levels of pension security system to make contributions. This article is divided into five parts. The first part mainly introduces the exploration situation of the old-age care business in various parts of the country, and analyzes the reasons for its failure according to the specific situation of the products provided by different institutions. The second part focuses on revealing the current external environment. The third part investigates the successful international system and the principle of product design, and draws lessons from it. The fourth part is the focus of the article. The construction of the housing reverse mortgage old-age insurance model in China, combined with the various elements needed to construct the model, expounds the positioning, opportunities and risks of the insurance companies in carrying out the housing reverse mortgage pension insurance business. The last part summarizes and ponders the full text, puts forward the concrete operation flow of reverse mortgage insurance, hoping to provide an effective supplement for the perfection of the old-age security mechanism in our country.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.182.3;D923.2

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