China’s "House-for-pension Scheme" Problem Research

With the aging of the population growth, and the implementation of family planning policy, biotechnology progress, people’s living standards and medical conditions have been greatly improved. In recent years, the rapid increase in China’s population, the number of elderly people is increasing, as a result of a variety of social issues have sprung up. Including in particular the pension issue has become a top priority of a variety of problems.Although the number of social insurance of increase compared to the previous number, and the insurance coverage has increased, but the insured population is mainly concentrated in large and medium state-owned institutions, did not realize that everyone can enjoy the protection of social endowment insurance. Our pension system in transition, as well as historical issues, making the problem of pension account empty grave, a huge funding gap, pension in China has become an economic problem, but also a social problem. China is in the primary stage of socialism’s basic national conditions, must determine our economic backwardness, slow process of modernization, the shortage of all kinds of pension status of available resources. When later developed into the first rich old or rich old synchronous stage of social development, China will need in the level of development of the productive forces is not high, low per capita income of the status quo, to solve the aging population and the various disadvantages."Retirement with house" is a new type of pension means of new, mainly through replacement of between real estate and cash, to provide additional funding on a pension for our resources. After the general pension models are entrusted to the elderly nursing home or elderly services, and pay a fee to take care of its elderly. The Housing Endowment is it to have housing for the elderly under the name of its own mortgage or rent way to achieve flexibility in the use of funds to achieve the realization of fixed assets to fill the pension gap of pension model. By this method, greatly improving the quality of life of the elderly in his later years, but also effective in promoting the flow of real estate in the secondary market, active in the real estate market, and promote the development of related businesses, industries. And provide a new economic growth point for the development of the social economy.The article analysis of Marxist theory and western economics theories start, using a variety of methods, such as comparative reference analysis, theoretical analysis method, from so I had to elderly are able to spend a decent starting point of view later life, analyzed and discussed the current status of our society and the background environment, the system analyzes the housing Endowment in our business model and the development of the implementation of the possibility. Follow the "practice- theory- practice" research methods, and actively learn the successful experience of other countries and models, and combined with China’s specific national conditions, from the basic situation of our country, in the theoretical analysis and summarized based on the analysis to the Housing Endowment in the process of implementation problems and possible implementation of our encounter, hoping to build a preliminary framework for the future implementation of the policy in our country brick by Tim Watts.