The Analisis Of Housing Endowment Financial Planning Scheme Of 421 Families

1978 began,in order to suppress the rapid growth of China's population,China's implementation of the family planning policy,the family planning policy to some extent inhibited the rapid expansion of China's population trends.Over time,we found that after the adoption of decades of "family planning",the control on the number of people actually have a more significant effect,but it also brings new challenges,and that is,demographic changes,cause for "4-2-1" family structure number is increasing.2015,in order to solve the demographic changes,I formally implemented the "open two-child" policy,but it does not alleviate the country in the next period of time aging population trend.Beginning in 2010,the aging of the population began to accelerate.In the last 37,on China's family planning family structure produced very significant results by 2020,both parties to the marriage is the only child ratio will reach 40% in 2030 and 2050,China's population will be 65 years old accounted for to 14.6% and 20.4% of the total population,by 2050 China's elderly population will reach 31.27%.In this context,the composition of the one-child "double single family",is basically four elderly non-working day for the state,while the "double single family" and their children who need to invest more capital investment,It resulted in significant pressure on pension.After 2050,the number of 60-year-old population will be over 400 million people,in the number and proportion of the population will be the highest in the world,rising pension pressure on young people,along with the rapid development of China's insurance industry,people began They tend to solve them by relying on old-age insurance approach.2015 China pension gap of 300 billion yuan,according to this calculated,to 2030,China's pension gap will have to reach 4.1 trillion yuan to 6.1 trillion up to 2050,which will bring great financial pressures and pension pressures.At the same time,we should see,most of the wealth of Chinese residents is property locked,it is estimated that real estate accounts for about 70% of household wealth.Comprehensive analysis is not difficult to obtain,"to the Housing Endowment" has supported economic,practical feasibility.2016 first quarter,China's GDP growth rate of only 6.7%,hitting a new low in recent years,economic growth.Slowing economic growth will have a direct impact directly on employment.Through the Housing Endowment,the reverse mortgage form,these problems will be solved,we can conclude that "to the Housing Endowment" is the real foundation of theoretical.From a global perspective view of an aging population protection mechanism,we find that "to the Housing Endowment" way of managing money,has taken the lead run in Europe and other developed countries,and achieved good results.Analysis of foreign "to the Housing Endowment" success stories,and China already has a basis in reality,verified "to the Housing Endowment," the feasibility of in China.