發(fā)布時(shí)間：2018-08-06 15:20

【摘要】：隨著我國(guó)老齡化的加劇,養(yǎng)老問(wèn)題儼然成為了全社會(huì)的問(wèn)題,2017年全國(guó)兩會(huì)也重申了養(yǎng)老保障的重要性。近年來(lái),國(guó)內(nèi)“抱團(tuán)養(yǎng)老”、“居家養(yǎng)老”、“以房養(yǎng)老”等社會(huì)新型養(yǎng)老模式不斷涌現(xiàn),各地也在不斷探索解決養(yǎng)老問(wèn)題的新路徑,住房反向抵押貸款就是其中之一。住房反向抵押貸款,也稱“倒按揭”,是一種新型的養(yǎng)老融資工具,主要適用于有房且錢(qián)少的老年人,對(duì)解決我國(guó)養(yǎng)老保障系統(tǒng)面臨的壓力,提高老年人的生活水平,培養(yǎng)更健康的生活方式具有重要意義,將為我國(guó)的社會(huì)養(yǎng)老保障體系的改革和完善提供一種全新的思路。自2013年孟曉蘇首次提出建立反向抵押貸款壽險(xiǎn)服務(wù)以來(lái),2014年6月23日,中國(guó)保監(jiān)會(huì)發(fā)布指導(dǎo)建議正式啟動(dòng)住房反向抵押養(yǎng)老保險(xiǎn)試點(diǎn)工作,2016年7月,中國(guó)保監(jiān)會(huì)再一次發(fā)布通知,將老年人住房反向抵押養(yǎng)老保險(xiǎn)試點(diǎn)期間延長(zhǎng)至2018年6月30日,并將試點(diǎn)城市范圍進(jìn)一步擴(kuò)大。雖然住房反向抵押貸款在我國(guó)仍處于試點(diǎn)階段,但很多法律問(wèn)題已經(jīng)凸顯。本文旨在研究我國(guó)實(shí)行住房反向抵押貸款存在的法律問(wèn)題,文章主要從四個(gè)部分展開(kāi)。文章第一部分從住房反向抵押貸款概述入手,著重介紹其概念、法律特征、國(guó)外的發(fā)展模式以及與相關(guān)概念的比較;文章第二部分結(jié)合我國(guó)各地方的實(shí)踐情況,對(duì)我國(guó)實(shí)行反向抵押模式現(xiàn)狀進(jìn)行分析;文章第三部分,重點(diǎn)分析我國(guó)發(fā)展該模式存在的法律問(wèn)題,包括立法和政策上的阻礙;最后,文章第四部分,針對(duì)我國(guó)實(shí)施住房反向抵押貸款現(xiàn)存的問(wèn)題,提出相應(yīng)的解決方案。
[Abstract]:With the aggravation of aging in our country, the problem of the aged has become a problem of the whole society, and the two sessions in 2017 also reiterated the importance of the old-age security. In recent years, the new social old-age support models, such as "group pension", "home old-age care", "housing old-age care" and so on, have been emerging, and various places are constantly exploring new ways to solve the pension problem, among which housing reverse mortgage loan is one of them. The reverse mortgage of housing, also known as "reverse mortgage", is a new type of old-age financing tool, which is mainly suitable for the elderly who have a house and have less money. It can solve the pressure faced by the old-age security system in our country and improve the living standard of the elderly. It is of great significance to cultivate a healthier way of life, which will provide a new way of thinking for the reform and perfection of the social security system for the aged in our country. Since Meng Xiaosu first proposed the establishment of reverse mortgage life insurance service in 2013, on June 23, 2014, the China Insurance Regulatory Commission issued a guidance proposal to formally launch the pilot project of housing reverse mortgage pension insurance. The CIRC once again issued a notice extending the pilot period of the reverse mortgage pension insurance for the elderly to June 30 2018 and further expanding the scope of the pilot cities. Although the housing reverse mortgage loan is still in the pilot stage in our country, many legal problems have been highlighted. The purpose of this paper is to study the legal problems existing in the practice of reverse mortgage loan in China, which is mainly divided into four parts. The first part of the article from the housing reverse mortgage loan overview, focusing on its concept, legal characteristics, foreign development model and the comparison with related concepts; the second part of the article combined with the practice of various places in China, The third part of the article focuses on the analysis of the legal problems existing in the development of this model, including legislative and policy obstacles; finally, the fourth part of the article, In view of the existing problems of implementing reverse mortgage loan in our country, the corresponding solutions are put forward.
【學(xué)位授予單位】：南京師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D922.29

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本文編號(hào)：2168135