Based On Pension Under The Perspective Of Chinese Housing Reverse Mortgage Loan

China's aging population,coupled with the lack of pension pressure surge in recent years,pension security system defects,and the relationship between social and livelihood,so our country urgently needs a tool as an assistant to ease pension.Housing reverse mortgage as an important means of improving the quality of life,the elderly,has successfully resolved a number of elderly people,in foreign countries have successfully resolved a number of elderly people with cash poverty.Or a new thing,the development of practice Therefore,this paper hopes to analyze the obstacles and risks from the feasibility of the background of the paper,and put forward the reasonable organization mode,so that the housing reverse mortgage loan more localization operation put forward rationalization proposals.Structure of this paper are arranged as following: the first chapter introduces the background of choose the topic,analyzes the research literature at home and abroad,puts forward the research train of thought.The second chapter reviews the concept definition and characteristics of the housing reverse mortgage,cited in this paper,the application of the theory,such as: life cycle theory,inter-generational wealth transfer theory.Chapter iii pressure of population aging and pension in our country present situation,the degree of population aging in our country at present and analyzes the pension defects,think housing reverse mortgage loan can be used as auxiliary tool added to the pension mode in China.And according to the practice in our country,analyzes the stagnation of reverse mortgage barrier,the author found that the implementation of housing reverse mortgage loan obstacle mainly embodied in the domestic policy of not adapt,legal regulation is not clear,the risk of financial institutions,application group consciousness is not high,the participation of all related parties enthusiasm is not high.And build institutions to carry out reverse mortgage dynamic analysis of the static game model in our country should be dominated by the government,organizations involved in the form of a reverse mortgage.The fourth chapter through the analysis and comparison at home and abroad can draw lessons from the development experience of housing reverse mortgage loan,come to the conclusion that is worth thinking and draw lessons from the enlightenment of our country.Chapter v from the life cycle theory as a starting point,the introduction of housing reverse mortgage loan pattern in China has carried on the preliminary design,put forward our country early stage suitable for government welfare model and cooperative mode of combining completely competitive market.Mainly for government,commercial Banks and private financialinstitutions to actively participate in the development of the market operation form of housing reverse mortgage loan.Finally puts forward some Suggestions of our country to carry out the reverse mortgage policy.The innovation of this paper is through the establishment of the government and the game model of commercial Banks,to verify the theory of institutional economics basic point of view it is concluded that the government induction system of carrying out the reverse mortgage.The government as the leading,commercial Banks to participate in to carry out the housing reverse mortgage loan in China,in the form of organization mode basis.Methods through the comparison analysis of foreign experience on international experience for reference.From the perspective of public finance,on tax and policy recommendations,promote housing reverse mortgage loan.