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倒按揭式以房养老在中国即将进入全面推行阶段,这种养老方式与中国传统的家庭养老、社会养老方式存在一定的碰撞,与中国人“养儿防老”和“房子情节”相冲突。这些成为其在中国全面推行的巨大阻力。但面对人口老龄化的巨大压力,倒按揭式以房养老作为基本养老的补充方式仍然有其发展的空间,可以先从适合的人群开始做起。
The mortgage-backed housing pension in China is about to enter the full implementation phase. This kind of pension has a certain collision with the traditional Chinese family pension and social pension schemes. Compared with the Chinese people’s “raising their children’s health care insurance” and “housing plot” Conflicting. These have become a huge obstacle to its full implementation in China. However, in the face of the huge pressure of population aging, there is still room for development of the mortgage-backed pension system as a basic supplement for old-age pension, which can be started from the right people first.