| Population ageing is a universal problem in the world.China's aging population is very serious,but the social security system can not achieve the pension problem for all the elderly.In addition,the economic development has brought about changes in the traditional family model in China,which makes the current pension system more and more obvious.Over the years,China has been exploring the old-age pension model.But at present,our country's housing-based pension is not mature enough in both theoretical research and practical exploration.Against this background,Because of the large pension gap caused by the rapid aging of our country,the emergence of "421" and empty nest families and the maturity of the real estate and insurance market make the reverse mortgage of housing actively carry out practical exploration since it was introduced into our country.Some cities have also introduced the exploration mode,such as reverse mortgage mode in Nanjing and self-service pension mode in Shanghai.And the "Xinfunian Card" model of CITIC Bank,but these models were not carried out very soon because of the narrow scope,imperfect market,low public trust,and contrary to traditional concepts.However,these exploratory models provide experience for the development of housing reverse mortgage endowment insurance in China in the way of local experiments.In 2015,Happy Life Insurance Company participated in the exploration of housing pension.According to its own industry advantages,it underwrite 172 people through four years of pilot until the end of 2018.The pilot project of Happy Life Insurance Company is a successful case in our country when we carry out housing pension.This paper mainly introduces and analyses the case of reverse mortgage endowment insurance of Happy Life housing.This chapter focuses on the analysis of the participation conditions,operation process and products of the reverse mortgage endowment insurance of happy life housing,namely "Happy Housing Laibao".Finally,it is concluded that Happy Life has introduced many intermediaries in the application process of the elderly due to its greater risks and to ensure the rights and interests of both sides in the pilot project of the reverse mortgage endowment insurance of housing.And in product design,in order to protect their rights and interests from loss,a variety of provisions have been set up,resulting in higher access thresholds,high transaction costs and the loss of the rights and interests of the elderly.On the other hand,the public has low confidence in the insurance company's housing reverse mortgage endowment insurance.In order to make the business of Happy Life get better development,this article from the successful housing reverse mortgage loan models in the United States and Japan,which can be used for reference,and draws lessons from them.Finally,combined with the analysis of the problems existing in the case of reverse mortgage endowment insurance of happy life housing and the reference of the reverse mortgage loan model of housing in the United States and Japan,this paper puts forward some suggestions for better promotion of reverse mortgage endowment insurance of housing from both government and enterprises.First of all,from the insurance company level,Happy Life should actively carry out market exchange activities to increase the elderly's sense of identity for products.By innovating product design,increasing subsidiary insurance products and strengthening cooperation with banks,we can strengthen risk management and design personalized products that can meet the needs of different groups of people.Secondly,for the government,in order to boost the market development of reverse mortgage endowment insurance,the government can build a supporting platform by publicizing and educating,encouraging the participation of private institutions,improving intermediaries,and strengthening the regulatory mechanism,and adding relevant insurance provisions in the Insurance Law to make the regulatory authorities have laws to abide by.At the same time,making clear the payment of the subsequent fees due to the expiration of the right to use urban residential land and adding inheritance tax can create a good environment for the development of housing reverse mortgage endowment insurance. |
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