住房反向抵押贷款

为此，本文对住房反向抵押贷款进行了研究。

So this thesis made a study of the Housing Reverse Mortgage .

住房反向抵押贷款的需求分析&基于北京市的相关调查数据

Empirical Study on Demand for Housing Reverse Mortgage : Based on Survey Data about Beijing

住房反向抵押贷款中物权问题的解决方式探讨

On Solving the Problems of Housing Property of Reverse Mortgage Loan

我国住房反向抵押贷款法律制度之设计

A Plan on Legal System for Reverse Mortgage in China

有赎回权的住房反向抵押贷款定价模型的定量研究

Quantitative research on the pricing of reverse mortgage with right of redemption

近年来，实践中也开始对住房反向抵押贷款进行尝试。

Recently , people began to make an attempt at reverse mortgage in practice .

而住房反向抵押贷款可以作为提高老年人生活质量的一种手段。

And Housing Reverse Mortgage can be a method to improve the quality of aged .

以房养老与住房反向抵押贷款

Housing For Aged and Reverse Mortgage Loan

住房反向抵押贷款：我国养老保障制度的新探索

Housing Reverse Mortgage Loan : the New Exploration of National Cares for the Aged Safeguard System

住房反向抵押贷款作为一种新型的养老方式，其健康发展离不开法律的保障。

The healthy development of the reverse mortgage is inseparable from the guarantee of the law .

对住房反向抵押贷款的思考

Reflections on Reverse Home Mortgage

本文就住房反向抵押贷款在我国的推行进行了分析。

This article mainly analyzed the ( implementation ) of the housing reverse mortgage loan in our country .

随着老龄化问题在世界范围，尤其是发达国家普遍加剧，这些国家结合自己国内的实际情况，纷纷推出了各种住房反向抵押贷款。

Some developed countries combined with their own actual situation , introduced a variety of Reverse Mortgage Loans .

因此，在我国推出住房反向抵押贷款，对于缓解社会保障压力，构建和谐社会有着重要意义。

Therefore , it is of great significance for building up a harmonic society to present housing reverse mortgage loan to public .

其次对国外住房反向抵押贷款的运行机制和运作流程进行分析，希望从中能够取得有益的参考。

Second to foreign housing reverse mortgage loan operation mechanism and operation process were analyzed , and hope to can make the beneficial reference .

住房反向抵押贷款制度在国外发展的相当完善并已经取得非常成功的经验，是一种比较人性化的金融服务产品。

Housing reverse mortgage loan system has been perfect developed in abroad and has been very successful experienced , a more personalized financial services products .

笔者相信，随着我国住房反向抵押贷款产品的推出，将会催生一个新的金融服务业务和市场。

The author believes in , with our country reverse mortgage product debuting , a new finance service business and marketplace will be born in future .

然而，国内法学界对住房反向抵押贷款法律问题的研究基本上处于空白状态，这也为我国发展该产品带来了障碍。

However , the research in the legal issues of the reverse mortgage in our country is falling behind , which puts up barrier to its development .

第一部分对住房反向抵押贷款的含义及法律性质进行分析，明确其是一种涵盖民法抵押、社会养老保险金的综合性金融产品。

Firstly , the author provides the definition and legislation of reverse mortgage , ensuring that it is a comprehensive financial product covering civil-law mortgage and social security pension .

首先分析了住房反向抵押贷款产品定价的理论基础，有：家庭资源优化配置理论、期权定价理论、生命周期理论和保险精算理论。

This paper firstly analyzes the pricing theory foundation of housing reverse mortgage loan . There are family resources optimization allocation theory , options pricing theory , life cycle theory and actuarial theory .

20世纪90年代，国内理论学界开始对住房反向抵押贷款进行探讨，探讨的内容包括住房反向抵押贷款在国外的发展、产品的设计和具体的操作流程等。

In 1990s , the scholars of the country started to study the problems about reverse mortgage such as the development process abroad , the design and the operation process of the product .

文章分析了当前我国住房反向抵押贷款面临的问题及国外反向抵押贷款模式的实施，并借鉴其经验，为我所用。

The article analyzed the current situation of China 's housing problems faced by reverse mortgage loan and reverse mortgage loans abroad on the implementation , and to draw upon its experience to use .

然后分析了住房反向抵押贷款的风险防范策略，此项业务的健康发展需要各个机构的合作，特别是要发挥保险公司的行业优势。最后，在文章结尾处，笔者对本文进行了归纳和总结。

The healthy development of the business needs the cooperation of all agencies , especially utilizes the industrial advantage of insurance companies . Finally , the author has summed up this paper in the end .

而市场经济发达的国家通过住房反向抵押贷款，实现了以房养老，既提高了老年人的生活质量，又减轻了国家社会保障压力。

In market economy developed countries , housing reverse mortgage loan is extended for realization of living out life in retirement with house , which not only raises life quality of the aged , but mitigates social safeguard stress of the state .

第五部分是住房反向抵押贷款的监管法律制度，主要讨论了贷款机构的市场准入及退出机制、贷款合同的管理登记制度和各类贷款中介组织在该业务中的作用及对其监管的法律原则。

Finally , legal supervision on the reverse mortgage is mentioned to discuss the market access and exit mechanism for the loan agency , the administration and registration of loan contracts and the function of various intermediary loan agencies along with the laws for supervision on them .

利率风险、预期寿命风险以及住房价值风险构成了住房反向抵押贷款业务三大基本风险，本章首先详细分析了三大基本风险对住房反向抵押贷款业务的影响，分别提出了较为可行的解决方案。

The interest rate risk , the longevity risk as well as the housing value risk constitute three fundamental risks . The three fundamental risks have great influence on the housing reverse mortgage pricing , so it is necessary to control the three fundamental risks .