日前,《国务院关于加快发展养老服务业的若干意见》正式对外开放。《意见》明确提出:“鼓励探索开展老年人住房反向抵押养老保险试点。”此《意见》一出,立即引起各界热议,因为它包含了国人最关注的两桩大事——房子和养老。中国正在快速进入老龄化社会,这已经成为不争的事实。在养老问题上,中国有着自己的国情——人口基数庞大、历史欠账太多,计划生育长期化的负面作用渐显。有数据显示,2012年年底我国60周岁以上老年人口已达1.94亿,2020年将达到2.43亿,2025年将突破3亿。随着第一代独生子女的父母进入老年,家庭结构小型化、空巢老人养老困难等问题日益显现。 Recently, the “State Council on Accelerating the Development of Old-age Care Services, a number of opinions,” the official opening. The Opinion clearly states: “Encourage the exploration of the Pilot Scheme for Old-Age Housing Reverse Pensions”. “This” Opinion "came out immediately and immediately aroused heated discussions from all walks of life because it included two major issues that people are most concerned about: the house And pension. It is an indisputable fact that China is rapidly entering an aging society. On the issue of pension, China has its own national conditions - the huge population base, too many historical debts, and the negative role of long-term family planning have become evident. Statistics show that by the end of 2012, the number of people aged 60 or above in our country has reached 194 million, reaching 243 million in 2020 and 300 million in 2025. With the first generation of parents of only one child entering old age, the miniaturization of family structure and the difficulty of providing retirement for empty-nesters have become increasingly apparent.