The Research On Legal Issues Of Housing Mortgage Insurance

With the increasing trend of aging population in China,the phenomenon of "not rich first old" has become increasingly prominent.Family structure of "421" type of the young people's life pressure doubled,Family pension has been unable to shoulder the burden of pension.Population aging as a recognized problem in the world,as early as a few decades ago,foreign countries have proposed a new pension model-housing endowment,and has been running well.China can learn from the successful experience of foreign countries to enrich our country's old-age security system.In 2014,China Insurance Regulatory Commission formally identified in four cities in China to carry out reverse mortgage endowment insurance pilot work.In July 2016,CIRC further decided to extend the pilot period and expand the scope of the pilot,it will be the end on June 2016 with a two-year pilot extended until June 30,2018,and expand the scope of the pilot to more provinces and cities.In the pilot process,currently,only Happiness Life Insurance Company's "happiness real treasure" is in the market,Chinese Life Insurance Company's "live music" has also been approved by China Insurance Regulatory Commission,to carry out the pilot listed,two years in the future,the elderly will have more choices.This paper is based on the insurance contract in the pilot program,and analyzes the legal issues.This paper is based on the following path: housing reverse mortgage endowment insurance's concept,connotation,characteristics,legal relations and legal development,legal analysis of it and then put forward Countermeasures and suggestions.In addition to the introduction and conclusion,the essayconsists three parts:The first part is an overview of housing reverse mortgage endowment insurance.First of all,starting from the connotation,and then analyze the legal characteristics,legal relations,at the end,combing its development process in China carefully,and to explore its causes for the blocked the pilot.The second part is the research on the legal issues of the housing reverse mortgage endowment insurance in china.Focuses on the "real happiness treasure",the only product pilot in the insurance contract,through careful analysis of each of the terms of the contract,try to find out the legal issues.The third part is to propose solutions to the housing reverse mortgage endowment insurance legal countermeasures.The second part is mainly aimed at the problems found,put forward the corresponding countermeasures and suggestions,hope for the next step of the pilot work or after the formal implementation of make sense.