Difficulties Faced By Our Country To The Housing Endowment Mode And Countermeasures

In the21st century, China has entered the aging society. Aging of the population either to the family or the Social Security system, the country has brought tremendous pressure. As a developing country, our aging society aging in developed countries there are differences, aging in developed countries under the precondition of the basic realization of modernization, and the basic national conditions of China’s aging society is "not rich first the old." With the "independence generation" become salt of the earth,"four " Families patterns in large numbers, which means that a couple of four elderly and to raise a child. In addition, with the reform of the Social Security system, an aging population makes personal account had misappropriated funds, resulting in personal accounts pension fund deficit is running.In order to ease the pressure on families and the state pension, the need to explore new pension model, to enrich and improve our inadequate Social Security system. Housing Endowment will be a good combination of real estate and pension together, making family assets throughout the family life cycle, give full play to its value, the family converted to fixed assets such as cash flow pensions, improve the living standards of the elderly, also stimulating domestic demand and promote economic development. Meanwhile, due to the Housing Endowment involved in real estate, finance, insurance and other fields, so the pilot promotion to the Housing Endowment will promote the prosperity and development of the real estate market in financial markets.Foreign Housing Endowment has matured, but our late start to the Housing Endowment, the practice is still in the pilot stage, will inevitably encounter difficulties. First, my "raise children to old age "," roots " and the influence of traditional ideas, to the Housing Endowment not be widely accepted by the elderly. Secondly, to the Housing Endowment in China, as a novelty, it will naturally lack of supervision and other aspects of management laws and regulations. Finally, the need to implement the Housing Endowment supporting the implementation of real estate, finance, insurance, etc., and our financial markets are not developed enough, the real estate secondary market is relatively backward, which constitute an obstacle to the implementation of the Housing Endowment’s development. Although the implementation of the Housing Endowment in my difficult, but this does not prevent to the Housing Endowment will be an effective supplemental pension model.