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以房养老作为一项金融创新产品,在中国推广进程缓慢。本文基于调研数据,发现老年人是否认同以房养老受到诸多社会学因素的约束。在个人特征层面,低龄老人或者收入较高的老人会倾向以房养老;在家庭关系层面,利他主义会制约老年父母认同以房养老;在社会保障层面,社会保障的获得会“挤入”老年人对以房养老的认同。在此基础上,提出若干政策建议。
With housing pension as a financial innovation product, the promotion process in China is slow. Based on the survey data, this article finds out whether the elderly agree that the pension for the house is subject to many sociological factors. In terms of personal characteristics, young people with lower ages or those with higher incomes tend to live in houses for the elderly; at the family relations level, altruism restricts elders from approving them with housing for the aged; and in the aspect of social security, the access to social security will “squeeze in” "Elderly people agree with housing pension. On this basis, put forward a number of policy recommendations.