老年住房信贷与保险

在新世纪到来之际，我国也已迈入老龄化社会。老年住房市场将成为我国住房市场的一个重要细分市场。推动老年住房消费，需要金融信贷与保险业的参与。本文介绍了符合老年人消费特征的逆抵押贷款，并分析论述了其特点、相关因素及三种主要形式。对于抵御风险能力较低的老年人，商业保险的引入是必要的，文中论述了相关的几种保险业务。文章最后对我国开展逆抵押贷款业务的可能性作了进一步分析。

Housing Credit and Insurance for Elders

As the new century approaches, the problem of aging society is confronting us. The housing market for elders is becoming a constituent of the housing market in China. It is an indisputable way that credit and insurance play roles in the process of promoting the elder's housing consumption. This paper introduces a different kind of credit-inverse mortgage, suitable for elders, and explores its characteristics and three main forms. For weak abilities of elders to resist risks, this paper also explores some insurance forms that can help elder housing consumers.