反向住房抵押贷款因其对于解决我国社会保障问题的重要意义而日渐成为大家关注的热点。针对这一实际,本文从其运行模式出发,以分析其实行的现实条件为依托,进而提出我国实行该项贷款的操作建议。 Reverse housing mortgage loan has gradually become the focus of attention because of its importance for solving the social security issue in our country. In view of this fact, this article starts from its operating mode, relies on analyzing the actual conditions of its implementation, and then puts forward the operational suggestions for implementing this loan in China.