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我国人口老龄化问题日益严重,单纯依靠现有社保制度和传统的家庭养老,难以应对即将到来的老龄化危机。目前我国人口老龄化以年均5%的速度递增,我国养老保障将面临越来越重的压力。如何以市场化方式特别是以信贷的方式解决养老保障问题,至关重要。美国及欧洲已运行了近15年的相对成熟的反向抵押贷款方式值得我们参考。通过对美国的反向抵押贷款产生的背景、特点,以及美国现行的反向抵押贷款的运作模式进行研究、分析,加以借鉴,找出适合我国国情的市场化操作模式,并适时予以推出,具有十分重要的意义。
The problem of population aging in our country is becoming increasingly serious. It is hard to cope with the impending crisis of aging simply by relying on the existing social security system and the traditional family retirement support. At present, China’s population aging rate is increasing at an average annual rate of 5%. China’s pension insurance will face increasing pressure. How to solve the problem of endowment security by marketization, especially by credit, is of crucial importance. The relatively mature reverse mortgage loan system that the United States and Europe have been operating for nearly 15 years deserves our reference. Through the research on the background and characteristics of reverse mortgages in the United States and the operation mode of reverse mortgages in the United States, we can learn from them and find out the market-oriented mode of operation that suits our national conditions and launch them in due time Very important meaning.