以住房倒按揭方式获取养老资金在我国具有积极的意义还要跨越社会伦理观念、银行经营方式、社会保障体系、房地产市场发展趋势等多道门槛。本文就这些难题分析了其原因,并提出了相应的对策。 Taking the mortgage-backed housing as a way to get pension funds has a positive meaning in our country. It also crosses the thresholds of social ethics, bank management mode, social security system and real estate market development trend. This paper analyzes the reasons for these problems and puts forward corresponding countermeasures.