The Construction Of The Model Of Reverse Mortgage Loan Of Housing

China became an old-age society in the late 20th century. "Getting old before being Rich" is a remarkable feature against the rapid aging population in China.Moreover, with the defects of social pension insurance system, the degeneration of family pension function and the simple endowment way,our country is facing more and more pressure. The effective method for relieving endowment stress is to explore new pension model.Reverse Mortgage loan as a mature way in supporting the aged has already been proved by years of practice in developed countries. It has a very important realistic significance and theoretical significance to construct our unique model.The paper is divided into three parts.Firstly, with a review of its reference,this paper introduce the present situation of the Reverse Mortgage loan home and abroad, defines the research clues and approaches on the basis of clearing the research background and signficance of this paper.Secondly,examines systematically the necessity and feasibility for developing Reverse Mortgage loan in our nation,defines the major barriers on the basis of illustrating the conception of Reverse Mortgage loan and its reference.Thirdly,constructs a model of Reverse Mortgage Loan of Housing which is Suitable for China's unique national conditions on the basis of learning the successful experience of developed countries.