6月下旬保监会出台了《开展老年人住房反向抵押养老保险的指导意见》,明确从今年7月1日起,在北京、上海、广州、武汉四地开展试点。新闻媒体从多角度对此进行了报道,以房养老一时间成为引人关注的热点。以房养老是一个大概念,而住房反向抵押只是实现以房养老的一种方式。简单地把以房养老等同于住房反向抵押,不能不说是一种误解。住房反向抵押本质上是一个金融产品,老年人通过住房反向抵押 In late June, China Insurance Regulatory Commission (CIRC) issued the Guiding Opinion on Carrying out the Old-age Housing Reverse Mortgage Pensions Insurance, starting from July 1 this year and launching pilot projects in Beijing, Shanghai, Guangzhou and Wuhan. The news media reported this from a multi-angle perspective, and taking housing for the aged for a while became a hot spot of concern. Pension for housing is a big concept, and housing reverse mortgage is only one way to live in housing. Simply put the housing pension equal to the housing reverse mortgage, can not but say that it is a misunderstanding. Housing reverse mortgage is essentially a financial product, the elderly reverse mortgage through the housing