Research On The Housing Endowment Based On The Participants’ Benefits In China

China is accelerating into the "aging society", the growing aging population lead tochina become the most populous country in the world, however, on the one hand ourcountry is facing the Social Security system is not perfect and the traditional way offamily pension unsustainable, on the other, it is more notable that people become rich inhouses and poor in cash with the approaching of aging society and an imperfect socialsecurity pension system as well as shackles of outdated values. Housing has accounted fora large proportion of the wealth in the family, however, it can’ t quickly realizing their ownvalues as other current property for consumption."Housing Endowment" provides a goodplatform for it.This paper analyzes the benefits of the major participants in such as borrowers,lenders and government agencies in "Housing Endowment" based on the conditions ofcarrying out "Housing Endowment". It research the pricing of the Housing Endowmentproduct according the discussion about participants’ aspirations and risk. Then analyze theoperation of the business ideas that should be divided into a functioning market andsecondary market operations.Full text is divided into six parts. Firstly, it describes significance, the research resultsat home and abroad about Housing Endowment. Secondly, it is the exposition of the idea,concept and the corresponding basic theory, introducing its practice situation in ourcountry. Thirdly, it is the implementation of the conditions of both the necessity and thepossibility of Housing Endowment. Fourthly, it point out that pricing is the core of theentire business according to analysis the participants’ benefits and risk aversion. Fifthly, itdiscuss the housing endowment product price. Sixthly, It research the the running ofhousing endowment ideas...