住房反向抵押保险的现状及其问题摘要：在当下我国当前人口老龄化社会问题日益突出，养老金支付缺口不断急剧增加的巨大背景下，住房反向贷款抵押基本养老保险的有效引进对于帮助我国有效解决当前人口老龄化问题带来的诸多问题，尤其对对于我国现行基本养老保障体制的不断补充和现代养老保障方式的不断创新发展意义很重大。但是鉴于目前我国的现代国情，文化教育传统，人们的政治思想意识以及不同地区之间社会经济发展等诸多因素的水平仍然是一些大的差异，导致其他特定条件的实现还不够成熟，这不是有效的实施，有的甚至因此认为，这是不是很适合中国。本文主要是在中国全球人口老龄化的大社会背景下，结合个人住房反向产权抵押的基本应用理论，并且从抵押产品的功能特点，风险点的防范，市场主体的投资选择，以及中国的国家基本国情和传统文化继承传统等几个方面，用基本理论基础分析、分析结果比较、数据统计分析、案例经验分析的多种方法进行分析其在研究我国当前现实经济环境下的发展前景，并同时结合案例分析结果进行提出可行性的研究建议。关键词：以自住房替代养老：金融保险业：反向资产抵押：以房养老保险1Housing reverse mortgage insurance and its problems[abstract]:Under the background of the increasingly prominent socialproblems of the current aging population and the increasing gap of pension payment,the effective introduction of basic endowment insurance with reverse mortgage ofhousing helps China effectively solve many problems brought by the current agingpopulation,In particular,it is of great significance to the continuous supplement ofthe current basic pension security system and the continuous innovation anddevelopment of modern pension security.However,in view of the current situationof our country,the tradition of culture and education,people's political andideological awareness and the level of social and economic development amongdifferent regions and other factors,there are still some big differences,leading to therealization of other specific conditions is not mature enough,which is not effectiveimplementation,and some even think that this is not very suitable for China.Thispaper is mainly based on the background of China's global aging population,combined with the basic application theory of personal housing reverse propertymortgage,and from the functional characteristics of mortgage products,theprevention of risk points,the investment choice of market subjects,as well as China'sbasic national conditions and traditional cultural heritage and other aspects,Thispaper analyzes its development prospect in the current economic environment ofour country with the methods of basic theoretical analysis,analysis resultscomparison,data statistics analysis and case experience analysis,and puts forwardfeasible research suggestions combined with the case analysis results[Key words]Replacing old-age pension with self housing;financial insuranceindustry;reverse asset mortgage;housing endowment insur目录1前言…2住房反向抵押保险概述2.1住房反向抵押保险开展方式2.2住房反向抵押保险在我国的反响2.3本章小结63我国住房反向抵押保险发展现状3.1产品3.2市场规模.…83.3本章小结.94住房反向抵押保险在我国推行存在的问题4.1国情、社会观念差距大104.1.1土地制度的差异104.1.2家庭观念的差异…114.1.3政策风险巨大114.2难以探索出一条合适的道路.....114.2.1诈骗盛行….124.2.2骗局多样，信任感丧失134.3与国情不符154.3.1于我国而言风险较高154.3.2我国的政策制度的不同.4.4本章小结.........M165构建我国住房反向抵押养老保险模式.175.1住房反向抵押养老保险应遵循的基本原则175.1.1优先保障保险消费者合法权益175.1.2审慎经营，强化风险意识.…175.1.3更加依赖保监会的行业监管5.2明确住房反向抵押养老保险的参与主体.185.3完善构建住房反向抵押养老保险的制度准备18