6我国推行以房养老的现状,对策及展望.docx

我国推行以房养老的现状对策及展望[摘要]近年来伴随着中国城市化道路进程的不断发展中国人口结构老龄化问题突出现有的社会养老方式还不能有效解决中国的养老问题。“以房养老”是一种新型的养老基金来源模式在中国实行“以房养老”政策是一种有效地解决养老压力的模式。以房养老模式的本土化成为焦点国内学者纷纷提出了对此问题的见解。本文对有关“以房养老”模式这一课题的研究进行了文献综述就以房养老模式的涵义、发展现状、发展的现实意义、实施障碍和建议等几个方面进行总结以能够为日后相关研究和我国养老事业的发展提供参考。[关键词]老龄化以房养老反向抵押贷款abstractinrecentyearswithchina'surbanizationprocessofdevelopmentchina'spopulationstructureagingproblemstheexistingsocialendowmentmodecan'teffectivelysolvechina'spensionproblems."totheroomendowment"isanewtypeofpensionfundsourcepatterninchinaimplements"totheroomendowment"policyisakindofeffectivelysolveendowmentpressuremodel.enjoylifewiththebuildingmodelocalizationbecomefocusdomesticscholarshaveputforwardopinionstothisproblem.inthispapertherelevant"enjoylifewiththebuildingmodethistopicresearchisaliteraturereviewthemeaningoflifewiththebuildingmodedevelopmentpresentsituationthedevelopmentofpracticalsignificanceimplementationbarriersandthesuggestionandsoonseveralaspectscarryonthesummarytoforfuturerelatedresearchandthedevelopmentofthecauseofchina'sendowmenttoprovidethereference.keywordsenjoylifewiththebuildingreversemortgageloan目录摘要.............................................................................................................1abstract.......................................................................................................2目录.............................................................................................................31以房养老国内外研究现状.....................................................................11.1国外研究现状.............................................................................11.2国内研究现状.............................................................................22以房养老的现实意义............................................................................43我国推行以房养老的障碍.....................................................................74我国推行以房养老的对策及展望.........................................................9