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国内学界对我国发展住房反向抵押贷款的模式目前有两种主流观点:第一种观点认为商业银行有多年经营个人住房贷款的经验,对开发与房地产有关的金融产品经验丰富,且资金非常充裕,适合经营该业务;第二种观点认为人寿保险公司的长期资产占比较高,资产结构配置更合理,且寿险公司具有精算技术力量,具有经营养老金的业务优势,以及丰富的理赔经验,更适合经营该业
Domestic academia on China’s development of housing reverse mortgage loans currently have two mainstream viewpoints: the first view that commercial banks have many years of experience in operating individual housing loans, the development of real estate-related financial products, experienced and well-funded , Suitable for running the business; the second point of view that life insurance companies have a higher proportion of long-term assets, asset structure and allocation of a more reasonable, and life insurance companies with actuarial technical strength, with the business advantages of operating a pension, as well as rich experience in claims settlement, and more Suitable for operating the industry