A Study On The Counter - Pension Of Housing In Beijing

In recent years, the degree of population aging in China is becoming more and more serious, the elderly population in the proportion of the total population increased year by year, this trend not only aggravates the economic burden of single family support for the elderly, at the same time, also increased the pressure of social security funds. Therefore, China is in urgent need of a new way to make a supplement to the existing pension model, to solve the pension problem in china.Beijing brought together a large number of high-quality public resources, will attract a large influx of foreign population every year, with the increase of population, the housing is often in short supply, prices are rising, and the elderly in the city since most enjoy welfare housing distribution policy, basically have their own independent housing. Therefore, Beijing is necessary to the development of housing reverse mortgage house-for-pension scheme model, through revitalize older property resources, so that the old-age security, improve the standard of living of the elderly.In this paper, the main structure is divided into five parts, the first part of the housing reverse mortgage endowment brief description, analysis of the theoretical basis of its existence and operation. The second part of the analysis of the case by the United States, Canada and other foreign and domestic previously undertaken, summed up the reasons for their successes and failures. The third part through the analysis of the market, the level of the current Beijing real estate financial market and social development, and come home with a reverse mortgage endowment model widely broad social and economic infrastructure in the city. The fourth part from the land system, the real estate market environment, policies and regulations as well as the concept of social thought in these areas to carry out analysis of Beijing housing reverse mortgage problems in the pension process. In Part VI presents practical policy recommendations on these issues.