China's Banking Industry To Carry Out Operational Research Housing Reverse Mortgage Loan

With the deepening of the degree of aging, in addition to the basic social security system is imperfect, reverse mortgages this to solve sector pension problem to the Housing Endowment mode, provides a new avenue for settlement. In this context, the mode of operations around the future of China’s commercial banks and insurance companies to set up a reverse mortgage explore.First of all, in this paper, based on the domestic and foreign research, introduces the mechanism of reverse mortgage loan business operation model, so that the design of domestic commercial banks and insurance companies to operate this business operation process lessons.Followed by the analysis of the domestic commercial banks, insurance companies during the start-up reverse mortgage loan business cooperation feasibility.Finally, this article on the domestic banking how to start and carry out reverse mortgage business ideas, for domestic banks to develop reverse mortgage loan business in the government to give some policy support, should take the commercial bank and insurance company cooperation development, positive reference in China CITIC Bank to carry out the reverse mortgage loan experience, select the state-owned commercial banks of our country to carry out this operation, make this business risk decreased as much as possible.