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随着我国老龄化程度的加剧,如何改善养老体系是已经成为目前我国亟待解决的重要课题,开展住房反向抵押贷款进行养老模式的改变,既可以改善老年人的质量,又可以减轻社会压力。目前国内的住房反向抵押贷款产品定价的研究模型存在很多的不足,本文是通过分析房价与利率的关系,并将其关系代入住房反向抵押贷款的定价模型中,从而得到新的定价的理论模型,从而丰富了国内的住房反向抵押贷款的定价理论模型。本文还假设在不同利率风险下,分析得出住房反向抵押贷款的定价与利率之间的波动的趋势,为政策的制定者提供依据。
With the deepening of the aging of our country, how to improve the pension system has become an important issue to be solved urgently in our country. Carrying out the reverse mortgage loan of housing to change the pattern of pension can not only improve the quality of the elderly but also reduce the social pressure. At present, there are many deficiencies in the pricing models of domestic reverse mortgage loans. In this paper, by analyzing the relationship between house prices and interest rates, and substituting the relationship into the pricing model of reverse mortgage loans in housing, we get a new pricing theory Model, thus enriching the pricing model of domestic reverse mortgage loans. This paper also assumes that under different interest rate risks, the trend of the fluctuation between pricing and interest rate of reverse mortgage loans in housing is analyzed, which provides the basis for policymakers.