对住房倒按揭模式的思考

在我国开展“倒按揭”很有必要，因为我国人口老龄化的社会现实急需通过多种途径拓宽社会养老功能，老年人消费需求的多样化正在促使老年人寻求更多可自行支配的经济来源。同时“倒按揭”有利于促进房地产市场和保险业的发展。但短期内“倒按揭”在我国还很难全面实施，在实际工作中还将解决一些问题，如产权问题、观念问题、法律问题和技术问题。

Thinking on the Reverse Housing Mortgage Model

In our country, to carry out "reverse mortgage" is very necessary because China's population is aging which is needs a variety of ways to broaden the social support of old-age function through social realities.The variety of the elderly consumer demand is stimulating the diversification of the elderly to seek more self-reliant financial resources.At the same time, "reverse mortgage " would help to promote the real estate market and the insurance industry.But in the short term, "reverse mortgage" in our coun...