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1、AbstractWiththearrivaloftheagingsociety,thepensionproblemShanghaiisfacingbecomesmoreandmoreserious.However,Shanghai'ssocialsecuritysystemisinatransitionperiod,thereisabiggapinthepension,socialpensionpressureisveryheavy.Ontheotherhand,becauseofthelong-termpolicyoffamilyplanning,largenumbersofHfo
2、ur-two-onenfamiliesandHemptynestHfamiliesappear,thatfamilypensionhasbecomeincreasinglyfragile.Sowehavetolooktotheseniorsthemselvesinordertogivethemabetteroldagelifewhensocialpensionandfamilypensionarebothfacinghugechallenges.Asaneffectivewaytosolvethehousingsecurityandsocialsecurityundertheback
3、groundoftheagingofthepopulation,housingreversemortgagepensionmodelhasdevelopedintheUnitedStatesastherepresentativeofmanyforeigncountries.Althoughtherewassomepreliminarypracticeinourcountrybutfinallyfailed.SohowtobuildaneffectivehousingreversemortgagepensionmodelunderpopulationagingbackgroundinC
4、hinaremainstobestudied.Firstofall,thispaperusesthemethodoftheoreticalanalysis,elaboratestheconcept,thebasicfeatures,theoreticalbasisandresearchingstatusathomeandabroadofthehousingreversemortgageloan;secondly,analysistheinfluenceoftheagingofpopulationinShanghaibycombiningwiththedata,thecurrentpe
5、nsionmodelsinShanghaiandexistingproblems,housingself-helppensionmodelpracticeinShanghaiandthereasonsforfailure;after,inordertoprovethenecessityandfeasibilityofdevelopinghousingreversemortgagepensionmodelinShanghai,thispaperusestheSWOTanalysismethodtoanalyzefromtheadvantagesanddisadvantages,oppo
6、rtunitiesandthreats;thirdly,combinedwiththesuccessfulexperiencesoftheUnitedStatesandothercountries,thispaperbuildthehousingreversemortgagepensionmodelforShanghai,includingmodelselection,audience,participationmechanismandoperationflow.Inparticular,thispaperusestheempiricalanalysismethod,hidrawsl
7、essonsfromforeignpricingmodels,modifiesthemodelaccordingtotheconcreteconditionsofShanghai,finallygetsthemathematicalmodelofShanghaihousingreversemortgageloananditsproductpricing.Atlast,throughresearch,thepaperhasgotthefollowingthr
