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随着我国老龄化问题的日趋严重,引进国外已经大力开办的反向抵押贷款这类以房养老产品,为老人提供养老资源筹措的新方法,将有助于大大缓解整个社会的养老压力。虽然目前已经纳入金融主管部门的议事日程,但因这类金融产品自身结构的复杂性,供需双方均面临着极大的经营风险。美国反向抵押贷款的市场推广过程中,政府扮演着非常关键的角色。本文将着眼于美国政府在反向抵押贷款推广中发挥作用的深层次探讨,以对我国相关业务的推出提供有益的借鉴。
As the problem of aging in our country is getting worse day by day, the introduction of new methods such as reverse mortgages which are vigorously launched by foreign countries to provide endowment care products to the elderly will help greatly ease the pressure of pension for the entire society. Although it has been incorporated into the agenda of financial authorities, due to the complexity of the structure of such financial products, both supply and demand parties face great operational risks. The government plays a crucial role in the marketing of reverse mortgages in the United States. This article will focus on the United States government in reverse mortgage loans to promote the role of the depth of discussions in order to launch the relevant business in our country to provide useful lessons.