Research On The Predicament And Countermeasures Of The Housing Reverse Mortgage Endowment In Our Country

It is an indisputable fact that our country has entered into the aging society in the course of socialist modernization.China is the fastest growing country in the aging,although it is not the affected country.With the family planning policy implemented in the 1980s,our country's"4-2-1" family structure clear,with the releasing of two-child policy comprehensively,"4-2-2" family structure is coming soon,the traditional pattern of "raising children to old age" is weakening.Unlike Western countries,China's aging occurs before getting rich.In addition,the development of China's social security system is not perfect,the social pension insurance coverage is narrow,the pension gap is widening,and insurance fund investment is not efficient.It is urgent need to explore a innovative mode of pension suitable in order to ease the pension pressure of the community.Housing Reverse Mortgage Endowment is born in the background.Housing Reverse Mortgage Endowment will effectively combine real estate and pensions,the elderly can converted the most important family fixed assets into strong liquidity pensions,so as to improve and enhance the quality of life in their later years,while also stimulate domestic demand to some extent,promote the development of the social economy.But at present,neither the study of theory nor the practice in the Housing Reverse Mortgage Endowment is not mature enough,which brings many obstacles during the actual launch of Housing Reverse Mortgage Endowment,the implementation effect is not so good.Based on such background,this paper made a research and analysis of Housing Reverse Mortgage Endowment from the following aspects.Firstly,introduced the background and significance of Housing Reverse Mortgage Endowment,and reviewed the domestic and international related researches classifiably.Secondly,analyzed the concept and the operation of Housing Reverse Mortgage Endowment,summed up the general theory and rule of Housing Reverse Mortgage Endowment.Thirdly,introduced the relatively mature practice and experience of Housing Reverse Mortgage Endowment in western countries such as the America,Canada,Singapore,Japan and the UK.Fourthly,introduced the development and implementation of Housing Reverse Mortgage Endowment in our country,and analyzed the problems and obstacles.Finally,based on China's reality and learning from foreign experience,thy to put forward some feasible policy recommendations for problems and obstacles.