Research On The Risk Of Housing Reverse Mortgage LoanRetirement Pattern

With aging of population,our country faced heavy pressure of economy.For theinsufficiency of social security system for the aged,it needed to discover new ways to solve the problem.Housing reverse mortgage loan is a kind of financial products to help the old people transform value of housing for money,which is developing quickly in some foreign countries.Therefore,it is considered to introduce to our country.But there are lots of problems to develop this financial product.Risk of housing reverse mortgage loan is one ofthe most important facts to consider.The paper through to the housing reverse mortgage loan correlation theories, risk management's correlation theories as well as correlation theories's elaboration, has provided the theory basis for the following work;.Risk of reverse mortgage was identified and the factors of life expectation,rate and housing value were analyzed. In view of the moral hazard, through establishes the bank reservation the maintenance cost model, solves the borrower and the lender maintenance cost gambling question and has carried on this model.The risk of reverse mortgage was appraised based on pricing model.Risk rating model of reverse mortgage was designed with fuzzy entropy theory.At last, Through to the above reverse mortgage risk managemen preparing to develop in our country were brought forward.