【摘要】：中國人口老齡化的快速發(fā)展已成為無可爭議的事實，我國政府在繼續(xù)完善社會保障體系建設(shè)的同時，提出加快發(fā)展養(yǎng)老服務(wù)業(yè)，鼓勵金融行業(yè)在養(yǎng)老領(lǐng)域的金融產(chǎn)品與服務(wù)創(chuàng)新。住房反向抵押養(yǎng)老保險作為一種資產(chǎn)轉(zhuǎn)換模式，通過釋放固化在房產(chǎn)中的現(xiàn)金流提高老年人群收入水平。發(fā)展住房反向抵押養(yǎng)老保險，對保障與改善老年人群生活質(zhì)量，促進(jìn)社會穩(wěn)定具有重大現(xiàn)實意義。 本文首先采用比較借鑒、理論分析的方法，系統(tǒng)地論述了住房反向抵押養(yǎng)老保險的內(nèi)涵及理論基礎(chǔ)，通過研究住房反向抵押養(yǎng)老保險在發(fā)達(dá)國家的運行模式，，總結(jié)該產(chǎn)品發(fā)展的一般發(fā)展規(guī)律。其次，從定性分析的角度系統(tǒng)地闡述住房反向抵押養(yǎng)老保險產(chǎn)品在我國已具備運作的必要條件及可行條件。隨后，從定量分析的角度引入住房反向抵押養(yǎng)老保險的躉領(lǐng)、年金定價模型、所得替代率模型，選取死亡率、廣州市住房銷售價格平均增長率等數(shù)據(jù)計算辦理住房反向抵押養(yǎng)老保險的年金收入；進(jìn)而與居民退休前年均所得相比得出“所得替代率”，以“所得替代率”指標(biāo)衡量老年人退休后辦理住房反向抵押養(yǎng)老保險提升收入水平有效性。定量分析顯示老年人辦理住房反向抵押養(yǎng)老保險后所獲得的平均所得替代率可達(dá)到甚至大于目前社保養(yǎng)老工資替代率50.3%水平，且初始申請年齡越長的老人所得替代率越高。可見，辦理住房反向抵押養(yǎng)老保險令老年人收入水平有實質(zhì)性的提高，尤其對低收入老年群體收入水平改善明顯。 最后，梳理全文得出住房反向抵押養(yǎng)老保險可成為我國“現(xiàn)金貧困、房產(chǎn)富有”的城鎮(zhèn)老年人實現(xiàn)自我養(yǎng)老有效補充途徑的結(jié)論，并相應(yīng)提出在我國發(fā)展住房反向抵押養(yǎng)老保險的對策建議。
[Abstract]:The rapid development of China's aging population has become an indisputable fact. While continuing to improve the construction of the social security system, the Chinese government has proposed to speed up the development of the old-age service industry. To encourage the financial industry in the field of pension financial products and services innovation. As an asset conversion model, housing reverse mortgage endowment insurance improves the income of the elderly by releasing the cash flow that solidifies in the real estate. The development of housing reverse mortgage endowment insurance is of great practical significance in ensuring and improving the quality of life of the elderly and promoting social stability. This paper firstly discusses the connotation and theoretical basis of housing reverse mortgage old-age insurance by using the method of comparative reference and theoretical analysis, and studies the operation mode of housing reverse mortgage old-age insurance in developed countries. Summarize the general law of development of this product. Secondly, from the perspective of qualitative analysis, this paper systematically expounds the necessary and feasible conditions for the operation of housing reverse mortgage old-age insurance products in China. Then, from the perspective of quantitative analysis, this paper introduces the housing reverse mortgage pension insurance, annuity pricing model, income replacement rate model, select mortality, Data such as the average growth rate of housing sales prices in Guangzhou City calculate the annuity income of housing reverse mortgage old-age insurance, and then compared with the average annual income before retirement, the "income replacement rate" is obtained. The income replacement rate is used to measure the effectiveness of applying the housing reverse mortgage pension insurance to raise the income level of the elderly after retirement. The quantitative analysis shows that the average income substitution rate of the elderly after applying for the housing reverse mortgage old-age insurance can reach or even exceed the current social security pension wage substitution rate of 50.3%, and the older the initial application age is, the higher the income replacement rate is. It is obvious that the income level of the elderly can be improved substantially by applying the housing reverse mortgage old-age insurance, especially for the low-income group. Finally, combing the full text of the housing reverse mortgage pension insurance can become our country's "cash poverty, property rich" urban elderly to achieve the effective way to supplement the self-pension. And accordingly puts forward the development in our country housing reverse mortgage endowment insurance countermeasure suggestion.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.67

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