| The problem of aging population in China is increasingly serious.The current endowment insurance mode and traditional family-supporting mode cannot satisfy the increasing demand for supporting the aged.Therefore,establishingadiversifiedold-age-supporting mode is imperative.“House-for-pension” scheme is a mature old-age-supporting mode in other countries.It has an important complementary effect on constructing an old-age security system in China.However,from the condition of the domestic pilot project in recent years,the development of “house-for-pension” scheme in China is facing a main problem,which isthe deficiency of effective demand.As a result,the qualitative and quantitative analysis of the demand for “house-for-pension” scheme,as well as the research on the operation mode optimization,has importance theoretical and practical significance.This article employs a method that combines theoretical research,social investigation,and empirical research.Based on the overview and summary of domestic and international research,as well as the practical experiences,the article systematically analyzes the development problem of “house-for-pension” scheme in China,which is the deficiency of effective demand and analyze the cause of it in macroscopic view.Thenanalyzes our demand ability for the scheme at current stage from three aspects: the current situation of endowment insurance system,the advantage of the scheme,and the external conditions of developing the scheme.Then,through investigating the residents in Fuzhou,Xiamen,and Quanzhou,using social investigation method,the article gathers statistics and analyzes the attitudes and willingness of respondents at different ages towards “house-for-pension” products,based on the family unit.The research finds that the respondents generally express their support for the “rental for pension” and “big for small” in the “house-for-pension” product,and show a low support for “reverse mortgages”.Then,using Logistic regression model,the article analyzes the investigation statistics empirically and reaches a conclusion that the main factors affecting the demand for “house-for-pension” scheme are age,number of family members,household monthly expenditure per capita and the extent of knowledge of the scheme.The article establishes a “house-for-pension” operation mode,which is sponsored by the government,with the participation of the insured old,financial institutions,medical care institutions and the credit department.Using the product of “rental for pension”,“big for small” and “reverse mortgages”,the article establishes a product system,which can satisfy a various demand for the pension.Also,the article optimizes and improves these three products to make them easier be accepted by residents.In the end,the article the paper proposes policy suggestions for the relevant matched system.The research in this article provides a feasible operation mode for the “house-for-pension” system,thus has a realistic significance in developing the scheme in China. |
