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目前,我国60岁及以上老年人口已超过总人口的13%,预计到2050年这一比例将高达29%。随着人口的急剧老龄化,我国传统养老资源弱化和社会养老体系不健全的短板日益凸显。在此情形下,国内有人提出,应鼓励商业银行发展“倒按揭”(住房反向抵押贷款)业务,通过“以房养老”为解决养老保障问题建立起一种新型的市场化道路。从可行性的角度来看,支持者们普遍认为,倒按揭业务已经在英国、美国、加拿大、新加坡等发达经济体得到了广泛推广。特别是美国的倒按揭市场被他们视为成功的典型,备受推崇。但是,事实
At present, China’s population aged 60 and above has exceeded 13% of the total population and it is estimated that the proportion will reach 29% by 2050. With the rapid population aging, the shortcomings of China’s traditional pension resources and social pension system is not perfect increasingly prominent. Under this circumstance, some people in China have suggested that commercial banks should be encouraged to develop a “reverse mortgage” (reverse mortgage loan) business and set up a new type of marketization to solve the problem of endowment insurance through “housing pension” the way. From a feasibility perspective, backers generally agree that the reverse mortgage business has been widely promoted in developed economies such as the United Kingdom, the United States, Canada and Singapore. In particular, the inverted mortgage market in the United States is highly regarded by them as a model of success. However, the fact