Reverse Mortgage Loan Pattern Choice And The Design Of Legal System

Rapid development of global economy,the population problem is increasingly highlight,in today's population aging problem across the globe,China's ageing population is a trend of increase,in our country,not only need to continue improving the old-age security system,explore how to develop diversified and multi-level pension system,innovation of endowment,is an urgent need to study the focus of the topic.Reverse mortgage system is a relatively new type of pension mode,the implementation way is different from the traditional mortgage,its practice in foreign countries,has to deal with the problem of pension had achieved very good results.However,because the legal system and regulations,imperfection of finance of the real estate market,the bondage of traditional ideas,etc.,the system operation in our country still exist "and" obviously.With the aging of the population increasing in our country,our country social endowment money there is a huge gap,the traditional pension model has been difficult to deal with an increasingly apparent pension crisis,to explore the situation of our country and can effectively alleviate the pressure of the social endowment new endowment mode and build the legal system,is to be solved.Based on the current situation of our country social endowment,analysis the advantages and disadvantages of the traditional pension system in our country,the development experience fully reference the western developed countries,combining with the actual development situation in our country,gradually improve reverse mortgage legal system construction.Increasing home ownership rate in the current our country society,under the condition of real estate financial markets continuously complete,the innovation of the endowment to room is one of the main effective way to alleviate the pressure of the pension in our country,at the same time promote the innovation of the pension system,is an effective supplement to the government pension guarantee,also provides a new idea for financial institutions to develop new business advice,I hope that in the process of reverse mortgage loan pattern construction,gradually improve the legal system,using the innovation and development mode,the mortgage system and China's pension system,financial system,to combine real estate system,in order to realize socialism with Chinese characteristics "retirement with house" development goals.