Research On The Operation Of Housing Loans Reverse Mortgage

The limited ability to provide social security service brings potential problems to China in the aging society. the emergence and introduction of Housing loans reverse mortgage has great significance to relieve the aging crisis.The new pattern will greatly improve the life standard of elder,being of huge benefit to activating social sunk capital. Housing loans reverse mortgage business of pension funds, expanding the financing channels, improving the pension insurance system, is very important to the housing market.But the development and running effectly of this business in China all depends on the the establishment of financial operation mechanism, the consummation of system, the elimination and avoidance of such risks. Based on this, the article discuss basic idea, theoretical basis and characteristics of this business,to study the function of financial institutions and government who involved in the business. All this research can provide useful exploration for the business operated in future.Firstly, I focus on the necessity and availability of reverse mortgage in China, and introduce several major theoretical foundation on the housing loans reverse mortgage; then analyze the housing loans reverse mortgage application objects and the choice; later analyze the features of the debtors by understanding the housing loans reverse mortgage business and reviewing its market development status in the United States. emphasize on the risks and the solutions of reverse mortgage accordingly and preventive measures, obtained the reverse mortgage business development advice.The innovations of this article seekingk to, is the light of the actual conducting our Reverse Mortgage loans made to the analysis of the obstacles, and demonstrated a number of measures to prevent risks on specific institutions...