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Research On Risk Evaluation Of House-for-pension Model Based On Extension Theory

Posted on:2019-04-13Degree:MasterType:Thesis
Country:ChinaCandidate:F YeFull Text:PDF
GTID:2416330566981158Subject:Elderly Project and Old Age Security
Abstract/Summary:PDF Full Text Request
With the aging of the population in our country becoming increasingly serious,the issue of old-age care has become increasingly prominent.Based on the urgent need to retire,more and more people want to rely on their own strength to support the elderly,and the housing pension model can meet this demand.effective method.The elderly can choose to live in the housing mode of the elderly,effectively activate their own fixed assets,and realize the psychological needs of the elderly in their own homes.However,since this is a new type of enterprise,the coverage cycle of each enterprise is far greater than that of traditional insurance services.Therefore,it also encounters problems and challenges in the traditional concept of pension,policy environment and market environment.At present,the risk assessment and control of this new business have not been thoroughly studied and solutions have been given.Therefore,more financial institutions only wait to see attitude.From the perspective of risk prevention of financial institutions,this article first analyzes the status quo of China's housing pension model development,the problems it faces,and the causes of existing problems.And use related promotion logic methods to carry out the risk factors of China's housing pension model.Bifurcation analysis,correlation analysis and impact analysis determine the important factors that influence the risk of endowment model.Second,based on the reference and collection of relevant statistical data,according to the principle of the establishment of the index system,an initial selection of assessment indicators is made.Then use the SPSS software to analyze the correlation and discriminating ability of the main indicators and eliminate the invalid indicators.The housing endowment insurance risk assessment indicatorsystem includes four first-level indicators and eighteen second-level indicators.Afterwards,this paper uses the structural entropy method to weight each indicator,and finally builds a risk extension evaluation model based on the housing pension model.Finally,this study selected Xi'an G financial institution as an empirical case.According to the indicators to be evaluated,the evaluation experts with house-endowment risk factors were designed to the relevant managers and R&D experts of the financial institution,and the initial data and the constructed data were transmitted.The risk assessment model based on the housing pension model was used to assess the risk of the housing pension model in Xi'an.The risk assessment variable for the Xi'an housing endowment insurance model was 2.331,and the risk rating was “weak” but favored“medium”.It was proposed that the financial institution's housing pension business model could effectively avoid risks.This paper applies the extended theory to the risk assessment of the housing pension model,effectively analyzes the influencing factors of the housing pension model risk,establishes the risk assessment model of the housing pension model and the risk assessment expansion model of the housing pension model.It provides new perspectives and methods for financial institutions to carry out housing pension risk assessment and prevention research.It expanded the scope of application of theoretical promotion and provided a scientific basis for the government to formulate relevant policy support and legal guarantees.Theoretical basis.
Keywords/Search Tags:House-for-Pension Model, Housing Reverse Mortgage, Risk Evaluation, Extension Theory
PDF Full Text Request
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