Housing Endowment Mode Of Operation And System Security Research

With the growing problem of an aging population, the pension system is not perfect, the traditional family structure has changed, which makes the social pension and family pension increasing pressure, so the introduction of a new pension scheme is important. "To the Housing Endowment" After practice abroad proved a better solution may lack the pension problem, improve the elderly living, improve the living standards of the elderly. This paper introduces the country "to the Housing Endowment" inherent theoretical basis, according to our analysis of the objective conditions are summarized feasibility and necessity of implementation of the "Housing Endowment", according to the conduct of foreign "to the Housing Endowment" model is more successful one A United States, Canada, Singapore, "to the Housing Endowment" in lessons learned, in detail "to the Housing Endowment" approach and operational conditions, compare the advantages and disadvantages of these three countries to take. Carry out comparative analysis of the practice of the Housing Endowment exploration, through Nanjing Tangshan Lingering Garden apartments, three different agencies Shanghai and Beijing pension fund center housing and banking failures summary, combined with our introduction to the Housing Endowment actual existence of incomplete, suitable for China’s proposed operating mode: the mode of operation of housing reverse mortgage loan should not be used as a full market business model, and it is not a fully government welfare model, but should follow the principle of combining market and welfare.On the basis of these studies, through our practice to summarize proposed development in China Housing Endowment needs and suggestions of system security, this paper from the legal system security, system security administration, supporting system security, education, etc. elaborate protection system.