Pension with houses is a successful example of mortgage credit for houses' operating, which is second resource of pension and is concentrated on. Prof. Chai Xiao-wu , from School of Economics in Zhe-jiang University make up for academic idea for pension with houses, and from now to then he is translating foreign practice and urban business air. His academic idea not only has a strong effect on the academic space, but make finance corporations such as insurance LTD. play a strong emphasis on it. As well, some governments' departments related with it are studying and want to make policies for the pension with houses, so that poor old men and women will live a happy life, and our government can be free from the difficult state. The pension with houses is a piece of new thing , which means its innovation and strange to Chinese firms. Therefore, researching its risks in management and set up systems dealing with risks are the keys to its operation. My article tells us the idea and definition ,then play importance on analysis its faced risks, and finally make a simple try about building systems.
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