Research On Professional Services House-for-pension Scheme Model By Multiple Intervention

In this paper, and learn from foreign house-for-pension scheme model and based on thesuccessful experience, by social institutions and house-for-pension scheme related theory asthe basis, evaluation of China Beijing, Shanghai, Nanjing and Hangzhou four City pilot "tothe housing endowment" mode, looking for the basic mode of practice predicament ofexistence, put forward according to the situation of China real estate, nursing, nursing andeconomic and financial "multiple interventional professional institutions with the new modelof the housing endowment".The new model is composed of four parts, respectively: Property management agencies,pension mortgage real estate transaction management institutions, pension institutions healthappraisal management institutions and one-stop institution endowment care services. Whichproperty pension management agencies by financial, property assessment, bank loans andother related departments of the joint office of the mechanism, in order to simplify thehouse-for-pension scheme bidding procedures, improve efficiency and credibility.Emphasizes the importance of the government’s support to the housing endowment to workby operating mode, namely the government intervention to ensure that the loan supply,support the bank is engaged in the business of property management, enhance theendowment agencies the authority and credibility. The concrete operation process, transactionmanagement of real estate mortgage mainly from USA congressional oversight of housingreverse mortgage loan operation experience, in the old-age care institutions in the nature ofthe business, take since the initial retirement enjoyment to one-stop agencies hospice lastmaintenance and service procedure. Professional nursing idea, operation procedure,classification, service quality and moral risk supervision to institutions pension services, toimprove health care in the old man’s satisfaction.Based on the multi intervention professional institutions to basic composition, thehousing endowment mode design and the successful implementation of the securityconditions of logical exposition, hope this to design a new model of housing endowment, can urge the government to support policy, strengthen the publicity, to encourage all sectors ofsociety to actively participate in, and intensify supervision and management in the legal theregulations, to avoid moral hazard house-for-pension scheme is implemented, thehouse-for-pension scheme really play a positive effect in social pension.