本文介绍了逆向抵押贷款的含义和在中国推行的动力,分析了在推行过程中存在的如房屋价值的评估、金融政策的不完善、我国房地产市场的发展状况、传统观念、逆向抵押贷款参与方之间的关系等影响逆向抵押贷款实施的障碍因素,实施中的障碍因素的应对策略和在我国推行逆向抵押贷款的现实意义。 This paper introduces the meaning of reverse mortgage loan and the driving force in China, analyzes the existing problems such as the assessment of housing value, the imperfection of financial policy, the development of real estate market in our country, the traditional concept, the participants of reverse mortgage loan The relationship between the factors such as the impact of reverse mortgage loans to implement the barriers to the implementation of the barriers to the coping strategies and the implementation of reverse mortgage loans in our country the practical significance.