论以房养老的模式和现实可能姓
-----------以倒按揭类型为例
于由遭遇上世纪中期的生育高峰和接踵而至的计划生育，到了本世纪初。我国老年人口所占比例比较大，而年轻的人口所占比例比较少，在现实面前，国家尚未富裕，而社会人口老龄化问题确比较突出。据有关专家预测，在最近一段时间内。中国社会将会由一个轻度老龄化社会逐步过渡到高度老龄化社会。老年人数量的急剧增加，对我国养老体系带来了前所未有的挑战。对于住房反向抵押保险的有关问题也在2013年国务院发布的《关于加快发展养老服务业的若干意见》有所提及，新型的模式以房养老也再次被提上了日程。本文具体的分析了以房养老的各种模式以及其实施的现实可能性的意义，以及深入开展住房反向抵押贷款在我国是否具有一定的生存的空间，从而更加完善原有的制度。
本文第一部分，通过对以房养老的概念的理解，列举符合以房养老模式的几种类型。阐述其的本质，挖掘以房养老出现在我国的原因及其所出现的必要性。同时也介绍了倒按揭类型与一般传统按揭的不同点。
本文第二部分，对以房养老在国外的发展状况进行了阐述，并且分析了以房养老在我国发展的前景以及遇到的问题及困境。并且通过我们所遇到的问题并结合国外开展该制度的成功之处总结经验教训，对我国推行以房养老的必要性和可行性进行分析。
本文第三部分，对具体的例子倒按揭为课题做了一系列的相应说明，针对其中具体借款人的年龄和问题进行了说明，并阐述和分析了借款人的资格，针对不同的情形，其具有不同的特点，分析我国实现其所遇到的法律问题，并提出解决思路。
本文第四部分，介绍了在具体问题中合同的设定和约定中所享有的权利和承担的义务。对于法律制度设计提出了一些建设和构想。
通过参考借鉴西方的先进理论与经验，对以房养老在我国的具体实施提出了一些建设性的意见和建议，为今后其在我国的健康顺利发展起了一定得铺垫作用。
关键字：以房养老，模式，现实可能性
第1个回答 推荐于2016-05-02
By mid century encounter peak fertility and family planning come one after another, to the beginning of this century. China accounted for the proportion of the elderly population is relatively large, but relatively few young accounted for the proportion of the population, in the face of reality, countries are not rich, and the social problem of aging population ismore prominent. According to the experts, in a recent period of time. Chinese society will be composed of a mild aging society gradually transition to the height of the aging society.A sharp increase in the number of elderly people, brought hitherto unknown challenge to the pension system in china. For housing reverse mortgage insurance related issues in2013 the State Council issued "on accelerating the development of pension services a number of opinions" has been mentioned, the new model house-for-pension scheme was put on the agenda again. This paper analyzes the various modes of housing endowmentand its possibility of implementation of the significance, and carry out the reverse mortgagein our country has certain living space, so as to improve the existing system.
The first part of this paper, the concept of the understanding of the house-for-pension scheme, with house-for-pension scheme lists several types of patterns. The essence ofmining, house-for-pension scheme in the necessity and the. At the same time, the differenttypes of reverse mortgage and traditional mortgage is also introduced.
In the second part, the house-for-pension scheme in the overseas development statuswere introduced, and analysis of the house-for-pension scheme in our country's development prospects and problems and difficulties. Success and through our problemsand carry out the system of combining foreign experience, to carry out the analysis by thenecessity and feasibility of the housing endowment in china.
The third part of this paper, the specific examples of reverse mortgage are explained a series of topics, for which the borrower's age and specific problems are described, and thedescription and analysis of the borrower's qualifications, according to different situations,which have different characteristics, analysis of the legal problems encountered in our country, and the proposed solutions.
In the fourth part, introduced to enjoy the contract in specific issues and set the contractrights and obligations. For the design of the legal system construction and put forward some ideas.
By reference to the western advanced theory and experience, on house-for-pension scheme implementation in our country and puts forward some constructive opinions and suggestions, for the future in China healthy development plays a certain role in paving the way to.
Keywords: house-for-pension scheme, model, feasibility
(2)
In the face of the baby boom in the mid and followed family planning, to the beginning of this century. The proportion of the elderly population is relatively large, while the proportion of the young population is relatively small, in the face of reality, yet rich countries, while population aging society is indeed more prominent. According to the experts predict that in the most recent period. Chinese society will gradually transition from a mild aging society to the level of an aging society. A sharp increase in the number of elderly people, for our pension system has brought unprecedented challenges. For housing-related issues are also insured reverse mortgage in 2013 the State Council issued the "Opinions on Accelerating the Development of pension services" has been mentioned, the new model to the Housing Endowment again been put on the agenda. This paper analyzes the specific meaning to the various modes and the Housing Endowment realistic possibility of its implementation, as well as carry out the reverse mortgage in our country whether a certain living space, which is more complete original system.
The first part, through the concept to the Housing Endowment understanding, including several types conform to the Housing Endowment mode. It described its essence, the necessity and the reason appears to the Housing Endowment appear in our excavation. Also describes the different types of reverse mortgage points and general traditional mortgage.
The second part of this article, to the Housing Endowment for the development of the situation in foreign countries are described and analyzed the problems and difficulties to the Housing Endowment in China's development prospects and the encounter. And through our problems in conjunction with the success of the system to carry out the lessons learned abroad, on the necessity and feasibility of the implementation of the Housing Endowment to be analyzed.
The third part of this article, the specific examples of reverse mortgage to issue appropriate instructions to do a series, for which the age and the problems of specific borrowers have been described, and the description and analysis of the borrower's eligibility for different situations, its have different characteristics, the analysis of the legal issues we encounter realize and propose solutions ideas.
The fourth part of this article, describes the rights and obligations set specific problems in terms of the contract and enjoyed afford. For legal system construction and design put forward some ideas.
Learn from advanced Western theory and experience by reference, to the Housing Endowment in our specific implementation put forward some constructive opinions and suggestions for the future of their health in the smooth development of our country have played a role in paving the way.
Keywords: Housing Endowment mode, the real possibility本回答被提问者采纳
The first part of this paper, the concept of the understanding of the house-for-pension scheme, with house-for-pension scheme lists several types of patterns. The essence ofmining, house-for-pension scheme in the necessity and the. At the same time, the differenttypes of reverse mortgage and traditional mortgage is also introduced.
In the second part, the house-for-pension scheme in the overseas development statuswere introduced, and analysis of the house-for-pension scheme in our country's development prospects and problems and difficulties. Success and through our problemsand carry out the system of combining foreign experience, to carry out the analysis by thenecessity and feasibility of the housing endowment in china.
The third part of this paper, the specific examples of reverse mortgage are explained a series of topics, for which the borrower's age and specific problems are described, and thedescription and analysis of the borrower's qualifications, according to different situations,which have different characteristics, analysis of the legal problems encountered in our country, and the proposed solutions.
In the fourth part, introduced to enjoy the contract in specific issues and set the contractrights and obligations. For the design of the legal system construction and put forward some ideas.
By reference to the western advanced theory and experience, on house-for-pension scheme implementation in our country and puts forward some constructive opinions and suggestions, for the future in China healthy development plays a certain role in paving the way to.
Keywords: house-for-pension scheme, model, feasibility
(2)
In the face of the baby boom in the mid and followed family planning, to the beginning of this century. The proportion of the elderly population is relatively large, while the proportion of the young population is relatively small, in the face of reality, yet rich countries, while population aging society is indeed more prominent. According to the experts predict that in the most recent period. Chinese society will gradually transition from a mild aging society to the level of an aging society. A sharp increase in the number of elderly people, for our pension system has brought unprecedented challenges. For housing-related issues are also insured reverse mortgage in 2013 the State Council issued the "Opinions on Accelerating the Development of pension services" has been mentioned, the new model to the Housing Endowment again been put on the agenda. This paper analyzes the specific meaning to the various modes and the Housing Endowment realistic possibility of its implementation, as well as carry out the reverse mortgage in our country whether a certain living space, which is more complete original system.
The first part, through the concept to the Housing Endowment understanding, including several types conform to the Housing Endowment mode. It described its essence, the necessity and the reason appears to the Housing Endowment appear in our excavation. Also describes the different types of reverse mortgage points and general traditional mortgage.
The second part of this article, to the Housing Endowment for the development of the situation in foreign countries are described and analyzed the problems and difficulties to the Housing Endowment in China's development prospects and the encounter. And through our problems in conjunction with the success of the system to carry out the lessons learned abroad, on the necessity and feasibility of the implementation of the Housing Endowment to be analyzed.
The third part of this article, the specific examples of reverse mortgage to issue appropriate instructions to do a series, for which the age and the problems of specific borrowers have been described, and the description and analysis of the borrower's eligibility for different situations, its have different characteristics, the analysis of the legal issues we encounter realize and propose solutions ideas.
The fourth part of this article, describes the rights and obligations set specific problems in terms of the contract and enjoyed afford. For legal system construction and design put forward some ideas.
Learn from advanced Western theory and experience by reference, to the Housing Endowment in our specific implementation put forward some constructive opinions and suggestions for the future of their health in the smooth development of our country have played a role in paving the way.
Keywords: Housing Endowment mode, the real possibility本回答被提问者采纳
