| 我国倒按揭业务立法问题探讨——应对老龄化的法律创新 |
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| 引用本文： | 闫海,矫燕娜.我国倒按揭业务立法问题探讨——应对老龄化的法律创新[J].金融理论与实践,2011(10). |
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| 作者姓名： | 闫海 矫燕娜 |
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| 作者单位： | 1. 辽宁大学法学院,辽宁沈阳,110136
2. 中国水电建设集团辽宁工程局有限公司法律事务部,辽宁沈阳,110179 |
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| 基金项目： | 教育部人文社科规划项目“社会保险责任分担机制——国家、社会与个人适度责任研究”(09YJC820050)的阶段性成果 |
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| 摘 要： | 老龄化是我国经济发展方式转变的重要因素,应对老龄社会,必须建立全方位的养老法律体系。倒按揭业务通过市场化运行的金融产品,实现住房养老。各国倒按揭业务的运作模式大致有政府主导型、保险公司主导型及商业银行主导型三种,针对我国国情,应当选择商业银行主导型。我国立法应当引入让与担保,以构建倒按揭业务的基础法律关系。倒按揭合同应当设立无追索权、增值分享及回赎权等特别条款。为推动倒按揭业务在我国的发展,还应当设计政府支持、保险公司参与及资产证券化等支撑制度。
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| 关 键 词： | 倒按揭业务 老龄化 让与担保 无追索权 回赎权 |
Study on the Legislation Issues of Reverse Mortgage Business in China:Legal Innovation in Coping with Ageing |
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| Yan Hai,Jiao Yan-na.Study on the Legislation Issues of Reverse Mortgage Business in China:Legal Innovation in Coping with Ageing[J].Financial Theory and Practice,2011(10). |
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| Authors: | Yan Hai Jiao Yan-na |
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| Institution: | Yan Hai,Jiao Yan-na |
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| Abstract: | Ageing is an important factor of changing our way of economic development.To coping with ageing society,we must establish a full range of pension legal system.Reverse mortgage business through market-oriented operation of financial products,is to achieve house-for-pension.There are three mode of reverse mortgage business operation of government-led,insurance companies-led and commercial bank-led in world.For China's national conditions,we should choose commercial bank-led.Chinese legislation shall be traduc... |
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| Keywords: | Reverse Mortgage Business Ageing Transferring Guarantee Without Recourse Recovery Right |
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