大理大学学报
• 政治学-社会学 • 上一篇 下一篇
潘秋予
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Pan Qiuyu
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摘要： 以房养老是从技术层面解决养老问题的重要举措，为缓解我国巨大养老需求和养老资源短缺的矛盾提供了新思路、新 方法。通过研究国外推行以房养老的经验做法，分别从借款方和贷款方出发，考虑以房养老在推行过程中可能出现的种种风 险。以此为据，提出完善法律法规、提供政策支持，健全相关体制、加强监管力度，着力培育主体、规范中介机构，稳固政府主 导、鼓励多方参与，积极加强宣传、正确引导思想，推广试点经验、逐步开展等六项风险防范的措施。
Abstract: The House-for-Pension Program is an important measure to solve the pension problem in the technical aspects, which provides a new way and a new idea to solve the contradiction between the huge demand for the aged and the shortage of resources in China. By studying the experience of the House-for-Pension Program abroad, we consider that there are a lot of risks for the borrowers and the lenders in the process. Based on these theories, this paper puts forward the following six measures: to improve relevant laws and regulations and provide policy support for project development; to improve the relevant system and strengthen supervision of the project; to cultivate the main business and standardize the operation of intermediaries; to strengthen the guidance role of government and encourage multiple participation; to strengthen propaganda and guidance and promote the experience of the pilot, and to gradually carry out housing endowment.
Key words: the House-for-Pension Program｜ risk, ｜risk prevention｜reverse mortgage loan
潘秋予. “以房养老”推行的风险分析与防范探讨[J]. 大理大学学报, DOI: 10. 3969 / j. issn. 2096-2266. 2017. 03. 011.
Pan Qiuyu. Research on the Risk and Risk Prevention of "the House-for-Pension Program"[J]. Journal of Dali University, DOI: 10. 3969 / j. issn. 2096-2266. 2017. 03. 011.
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链接本文: http://journal15.magtechjournal.com/Jwk_dlxyzk/CN/10. 3969 / j. issn. 2096-2266. 2017. 03. 011
http://journal15.magtechjournal.com/Jwk_dlxyzk/CN/Y2017/V2/I3/63
