Study Of China's Housing Reverse Mortgage Pension Insurance System

At present,the trend of population aging in China is becoming more and more serious.The traditional pension mode has been challenged.The new housing endowment mode of housing reverse mortgage has great positive significance for solving the pension problem in China.With the introduction of the concept of housing endowment in China in the 90 s of last century,it has not been popularized.There are many restrictive factors,including concepts,laws,technology and so on.Starting from the reality of our country,this paper expounds the basis of the implementation of reverse mortgage in China.At the same time,from four aspects of the current law,the subject,the object,and the rights and obligations of our country to analyze the obstacles to the implementation of reverse mortgage,and put forward some solutions.This article is divided into three parts:The first part of the housing reverse mortgage pension insurance system in China to promote the basis of the introduction.This paper expounds its concept,analyzes its basic characteristics,legal nature and necessity and feasibility of its implementation in China,and clarifies the basic theoretical problems of housing reverse mortgage endowment insurance,so as to lay a theoretical foundation for later.The second part discusses some problems that the system faces in our country.The main problems of the system including the conflict with China's current legal system and current property law conflict,and the conflict and bring;land and property rights system,such as property rights restrictions,bring current period of construction land use right of the complex problem;in defining problems,problems in system design such as the range of collateral real estate contract provisions,the difficulty is not clear.The third part,based on the foregoing,analyzes and summarizes the overseas experience and puts forward some suggestions for building ourhousing reverse mortgage endowment insurance system based on our national conditions.First of all,under the current conditions,the legislation of housing reverse mortgage endowment insurance is made,including its subject,object,rights and obligations,etc.,and combined with specific policies to control it.At the same time,we should pay attention to the improvement of supporting system,such as the adjustment of state-owned land service life,the improvement of supervision system,the improvement of real estate mortgage registration system,and the improvement of real estate appraisal system.