住房反向抵押制度养老模式分析
Analysis on the Elderly Care Model of Housing Reverse Mortgage System

为应对老年人对提高生活质量的迫切需要以及缓解社会养老保障体系的压力，住房反向抵押养老制度应运而生。通过分析住房反向抵押养老模式在我国的经济、制度以及法律基础并结合住房反向抵押养老实例，提出加强政府支持以提高公信力，激活住房反向抵押制度实行；建立申请制度、对接个人征信系统、建立税收激励措施、构建联合办公机制完善配套制度；建立有追索权的正向激励措施，使抵押人养老需求得以满足、抵押权人风险需求得以释放。以解决我国现阶段由于住房反向抵押养老模式周期长，风险大，不确定因素多而导致的参与方分歧大，顾虑多，实践难问题。
In response to the urgent need of the elderly to improve their quality of life and alleviate the pressure on the social pension security system, the reverse mortgage pension system for housing has emerged. By analyzing the economic, institutional, and legal basis of the housing reverse mortgage elderly care model in China and combining it with examples of housing reverse mortgage elderly care, it is proposed to strengthen government support to enhance credibility and activate the implementation of the housing reverse mortgage system, establish an application system, connect with the personal credit system, establish tax incentive measures, and build a joint office mechanism to improve the supporting system, establish positive incentive measures with recourse to meet the elderly care needs of the mortgagor and release the risk needs of the mortgagee in order to adapt to the housing reverse mortgage pension model at the present stage, due to the long cycle, big risk, and more uncertain factors, which lead to the participants’ differences, concerns and difficult practice.