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随着我国老年化社会程度的加重,养老保障面临着巨大压力。住房反向抵押贷款制度是养老体系的重要补充,既提高了老年人的生活质量,又减轻了国家的社会保障压力。相对于欧美成熟市场,韩国于2007年推出了住房反向抵押贷款业务,并迅速被韩国民众接受。作为我们国家的近邻,韩国的经济文化发展均与我国有相似之处,因此通过借鉴韩国住房反向抵押贷款制度建设中的成功经验,对我国的住房反向抵押贷款制度建设提出相应的政策建议。
With the aggravating degree of our country’s aging society, the old-age security is under tremendous pressure. Housing reverse mortgage loan system is an important supplement to the pension system, which not only improves the quality of life of the elderly, but also lightens the pressure of national social security. Relative to the mature markets in Europe and America, South Korea introduced its home reverse mortgage loan business in 2007 and was quickly accepted by the Korean public. As a neighbor of our country, both Korea’s economic and cultural development have similarities with our country. Therefore, by referring to the successful experience in the construction of reverse mortgage loan system in South Korea, we put forward corresponding policy suggestions on the construction of our country’s reverse mortgage loan system .