我国目前的养老保障机制仍不健全,社会养老压力较大。为此,我国引进了“以房养老”制度,积极推行试点,但收效甚微,问津者寥寥。以房养老模式的困境主要是受传统理念、市场风险、法律缺陷、政府缺位的因素导致。国家需要尽快进行法律制度构建,推动该模式冲破发展瓶颈,以缓解养老压力,构建福利社会。 The current pension security mechanism in our country is still not perfect, and there is more pressure for social retirement. To this end, our country introduced the “pension for the elderly housing” system and actively promoted the pilot program, but with little success, few were asked. The plight of housing for the elderly model is mainly due to the traditional concepts, market risk, legal flaws, the absence of government. The state needs to establish the legal system as soon as possible and push this model to break the bottleneck of development so as to ease the pressure on pension and construct a welfare society.