The Reasearch Of Reverse Mortgages Extension Under The Internet Thinking

China has embraced the social pattern of aging and economic growth declining, but social security system is not perfect, "Pension crisis" has arrived, to find a new pension model is urgent. Developed Countries using reverse mortgage supplementary social pension system, it is worth to reference. Our repeated failure to implement a reverse mortgage pilot, sum up the reasons, first, the reverse mortgage business is very risky, second, our system environment is unique, and the third, the extension model for local operators is not found.Based on this, the paper summarizes the related concept of reverse mortgages, connotation, features and theory; describes the status of the domestic mortgage loans promotion from the demand and the supply; analysis the experiences from the practice of local and abroad; summed up a few basic obstacles and two core ones presented from the perspective of business model. Finally, drawing on the Internet thinking transformation of the traditional business model, we construct a reverse mortgage operation promotion mode of thinking based on the Internet.Through research, this paper draws the following conclusions:(1) The risk characteristics of the reverse mortgage suppress the supply initiative. The traditional concepts of the elderly suppress the effective demand.(2) Our several cases, mostly closed-end supply and demand market lending institutions and the elderly form, can’t achieve the transfer of risk, overall effectiveness can’t be compensated.(3)Open Internet business mode of thinking, by digging a user’s pluralistic values, and introducing multiple market players, user value to be shared, can enhance the level of effectiveness of traditional business models.(4) Bye the Internet-Thinking, elderly consumer industry can receive the user value, the risk can be transferred through securitization, with the joint participation of the government, the core obstacles of reverse mortgage promotion will be resolve.