A Study On The Reverse Mortgage In Xiamen

Our country has entered the aging society, compared with western developed countries, thebiggest characteristic of aging in China is "not rich the old first". At the same time, as a result ofthe implementation of the family planning policy, China appears more and more "four two one"families, increasing social and family support burden."How to keep, keep the good" is a bigproblem facing society today. House-for-pension scheme model combines housing and pension,making the house the immovable property investment play function, changes the house to housepeople, enriches our pension system, provides more options for the elderly.House-for-pensionscheme has certain realistic foundation in china.Our country puts forward the housing endowment problems is a little late, researches onthis problem in academic field is still in the initial stage. Based on life cycle theory,intergenerational property transfer theory, resource allocation theory and max theory perspective,the domestic and international house-for-pension scheme of typical countries and city wereinvestigated. To compare between the domestic and foreign various types house-for-pensionscheme mode, analyze its organizational structure, operation mechanism and merits of strengthand the reason, special function and the future development, we try to find out some directionalmarginal innovation rule, providing the reference house-for-pension scheme system design andadjustment for the implementation of Xiamen.Xiamen is located in the economically developed coastal areas, city beautiful environment,a pleasant climate.The high housing prices rose fast, aging is becoming more and more serious inthe background.The implementation of house-for-pension scheme is necessary. However, theimplementation of the Xiamen house-for-pension scheme also faces many problems, such as "theproblem of imperfect laws and regulations, the financial market is not mature, the governmentpolicy is not in place, the traditional concept, the pension system and pension industrydevelopment is not perfect", restricting the house-for-pension scheme implemented in Xiamen.Therefore, house-for-pension scheme is a long way off the implementation of Xiamen City, thereis still a long way to go, but also in the "establish and improve relevant laws and regulations, theformation of the alliance mechanism between financial institutions, the increase endowmentfunds, to intensify propaganda, culture endowment ideas, and new financial combininghouse-for-pension scheme and endowment real estate innovation, diversity in the housingendowment" products are more practical exploration.