The Research About Feabsibility Of Housing Endowment In Jinan City

At present, China is gradually stepping into the aging society, along with the social security system is not perfect,and the proportion of the elderly rising rapidly, pension issue has become one of the focal issues of social concern. However, with the weakness of the traditional family supporting functions, the reform of the old-age security system, the speeding of the urbanization the advance of empty-nest families and the diversified needs of older age groups, which have made the elderly pension problems face many problems and difficulties. Because of the huge gap in pension resources, it requires opening up the pension funds by multi-channels to make up for the lack of pensions,which have given birth to “Housing endowment”--a new way of supplementary pension to a certain extent.This paper uses the method of literature research, questionnaire, interview, and based on the life-cycle theory, the family wealth transfer by generation theory, separation of property rights theory and liquidity of assets theory.Then research on the feasibility of house-for-pension in Jinan. The paper is divided into six parts,part1 starts from the rising situation of endowment, analyzes the background, purpose and significance, then cards the current research in China and abroad and puts forward the ideas and methods for the research. Part2 mainly introduces the concept of house-for-pension and the theories above,then analyzes the typical practice of house-for-pension in China and abroad, which have provided theoretical foundation and reference for this paper.Part3 mainly discusses the situation of aging population and the ways for passion in Jinan, then elaborates systematically the necessity of house-for-pension in this city.Part4 starts from several aspects, analyzes the feasibility of house-for-pension in Jinan.Part5 analyzes the possible problems and risks of house-for-pension in Jinan.Part6 proceeds from the relevant policies and regulations, the establishment of the financial system and the appropriate regulatory mechanism in Jinan and then put forwards several suggestions towards to house-for-pension in this city.