我国保险公司开展住房反向抵押养老保险的研究

近年来，随着我国人口老龄化程度加深、传统家庭结构发生变化和社会基本养老保障体系的压力加剧，如何改善老年人群体的生活状况，提高老年人的自我保障能力，成为了整个社会面临的一大难题，“以房养老”模式的呼声日益高涨，而保险公司开展住房反向抵押养老保险业务就可以为“以房养老”模式提供一种切实有效的实施路径。本文将介绍住房反向抵押养老保险的概念与产品特征，我国开展住房反向抵押养老保险业务的意义和可行性分析，以及我国开展住房反向抵押养老模式的探索。在此基础上，本文将系统阐述保险公司开展住房反向抵押养老保险业务所具备的独特优势和存在的阻碍因素，并对解决这些阻碍因素提出相关建议。

Research on the Reverse Mortgage Endowment Insurance of the Insurance Companies in China

In recent years, with the deepening of China's aging population, the traditional family structure of basic pension system changes and social pressures, how to improve the living condition of the elderly, improve old people's self-protection ability, has become a major problem faced by society as a whole, "house-for-pension scheme" mode of voice the rising, and the insurance company to carry out a reverse mortgage endowment insurance business can provide an effective path for the implementation of house-for-pension scheme "mode. This paper will introduce the concept and features of housing reverse mortgage endowment insurance, signiifcance and feasibility analysis of our country to carry out reverse mortgage endowment insurance business, and explore our country to carry out a reverse mortgage housing endowment pattern. On this basis, this paper will systematically elaborate the insurance company to carry out the housing reverse mortgage endowment insurance business has the unique advantages and the existence of obstacles, and to solve these obstacles put forward related suggestions.