“以房养老”需求的影响因素分析——基于美国经验的启示

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1、ABSTRACTTheagingofpopulationisescalatinginChina,whichischallengingthesustainabledevelopmentofChineseeconomyseriously．Theemergenceandintroductionof“House-For-Pension”patternhas伊eatsignificancetorelievetheagingcrisis．Thenewpatternwillgreatlyimprovethelifestandardo

2、felder，beingofhugebenefittoactivatingsocialsunkcapital，realizingbetterdistributionofsocialresources，provokinginnovationoffinancialinstrumentsandestablishingnewgenerationrelationshipwhichfitsintomarket-orientedeconomy．TakingmethodSoftheoreticanalysis，comparisonst

3、udy,demonstrationrcsearch，casesimulationandsystematicalanalysis，thepaperfocusesontheinfluentialfactorsofthedemandof“House—For-Pension”pattern，abstractingthetheoreticstructurefromforeignhistoricexperiencewhichisusedtoinstructtheimplementationof“House—For-Pension”

4、inChina．BasedontheexperienceofUnitedStates，thepapertriestoexploredeepinsightsintotheforegroundofdemandof“House—For-Pension’’patterinChinaintheframeoffivechapters：Chapteroneindicatethebasicthoughtandtheoreticbasisof“House-For-Pension”，summarizingpresenttheoretics

5、tudiesandexecutionsituationbothathomeandbroadandclarifyingtheresearchthought，analysisemphasesandstudymethods．ChaptertwoconcludesthehistoricexperienceoftheUnitedStates，analyzingthefeaturesofthedebtorsandtheirdecisivefactorsbyunderstandingtheHECMbusinessandreviewi

6、ngitsmarketdevelopmentstatusintheUnitedStates．Chapterthreeintroducestheeconomicanalysisstructureofdemandresearch．Inthischapter,microindividualcharacteristicsandrelatedmacroenvironmentarebothtakenintotheconsiderationasinterandintrainfluentialfactors．Theoreticalmo

7、deliSbuiltupandotherfactorsinfluencingthescaleof“House—For-Pension”areindiscussionbasedonthedemonstrationresearchwithdataoftheUnitedStates．Theforegroundofthecarry—outinChinaispresentedinChapterfour．Thepapermakesitclearthattheimplementationof“House-For-Pension”as

8、akindofeffectivecomplementisofnecessity,asChinaisinconfrontedwiththeagingcrisisandthesocialrestructure．Chapterfiveofferspolicysuggestionsinmicroandmacrodimension，assu