Housing Endowment To Study Legal Issues

Housing Endowment is a new way of solving the pension crisis raised new ideas. China is still a developing country, large population base, aging must pay attention to it. Five thousand years of traditional Chinese culture, the idea is to bring us the traditional "old age" concept deeply rooted. Many families have only one child because of the moment, led to this "4-2-1" Families formal structure, more and more empty nest phenomenon more evident, making pension model in the traditional sense is difficult to maintain. Currently, the state implemented a policy to the Housing Endowment, and in several large cities began a pilot, fully draw on the relevant experience of foreign housing, made with Chinese characteristics to the Housing Endowment mode, this concept proposed for our pension problem resolved to increase the theoretical basis for improving older people in later life to give a new way. To this end, in September 2013, the State Council issued the "Opinions on Accelerating the development of pension service industry", which is an important measure of the new government to improve the current situation, adjusting structure, promoting reform, rural development, taken to meet Elderly hierarchical strategy needs practical significance, while taking make up the short board and stimulating consumption strategy for stimulating employment in the service sector to promote economic development in an important role. By 2020, China will be built to the home-based and community-based functions more complete coverage of urban and rural pension system. In a comprehensive analysis of existing research results, combined with our pension developments in the back room, we draw the following conclusions:(1) to the Housing Endowment as a new pension financial tool for our country, it is a carrier of the elderly housing, finance and insurance as a means to protect the pension for the purpose of developing housing reverse mortgage assets with housing for the elderly cash consumption, a new way to achieve self-endowment.(2) to recommend the establishment of the Housing Endowment include:the right to define the main requirements of the Housing Endowment, reasonably determine the scope of the implementation of the Housing Endowment, the design of science to the Housing Endowment Program, run to the Housing Endowment for supervision, perfect legal accountability system.