住房反向抵押贷款的流程设计及风险防范

立足于中国人口老龄化趋势日益严峻、社会养老压力巨大的现状,对国内适时推行住房反向抵押贷款的业务流程进行设计,并分析其业务开展中所存在的风险,提出相应的防范措施,旨在为促进我国积极推行住房反向抵押贷款业务提供一定的支持与建议,为我国的养老保障开拓一条新途径。

Process Design and Risk Precaution of Housing Reverse Mortgage Loan

In order to promote China to start the business as soon as possible and to give some theoretical support and recommendations on it, in this paper, based on the current situation of China's increasingly serious trend of aging population and great pressure on social endowment, process design is made to the implementation of housing reverse mortgage loan, and it also gives a deep analysis on risk existing in the business, including corresponding preventive measures.