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1、AbstractAfterenteringthe21stcentury,ourcountryeconomydevelopmentathighspeed,butalsobringsmanyproblems,forexample,inrecentyears,oneofthefocusesisthenationalpeople'spensionproblem.Accordingtothesurvey,ourcountryhasenteredtheagingsociety,theyoungandmiddle-agedandelderlypeopleinthepopulationproportiono
2、fseriousimbalance.Ontheonehand,thisphenomenonwillcausetheshortageofsocialproductiveforces,ontheonehand,theelderlypensionproblemswillalsobeaproblemintheoldmanandthesociety.Byanalyzingthepopulationcharacteristics,wefoundthatasignificantportionofgroupofolderpeoplelosttheironlychildorhasnochildren.Inyo
3、ungandmiddle-agedperiodthroughlabortomaintaintheirownlife,usuallyhavetheirownhomes,butafterageloselaborability,justrelyonthepensionisnotenoughtosustainthedailylife,atthistime,youneedtoimprovetheexistingpensionsystem.Housingreversemortgageloanproductshasbeenconductabroadformanyyearsasasupplementaryp
4、ensionproducts,productscaninjectnewvitalitytoChinesemarket.Thisproductcanreducethepressureofpensiontothenation,and,moreimportantly,itcan"activate"therealestatetheoldmanown.Thispapersystematicallydescribesthereversemortgage-relatedconcepts,includingbasicconceptsofhousingreversemortgageloan,elements,
5、methodsofpayment;andintroducethebasictheoryofreversemortgageloansandthefactorwhichimpactreversemortgageprice.Thisarticleisbasedonactuarialpricingmodeltosimplifythevariousparameters,derivedsimplifyformulas•Andsimulateareversemortgagecase,basedontheexperiencevalueforeachparameterandcalculatedintothef
6、ormula,derivedpricingresults.Then,accordingtotheresultsofpricingformulasanalysiseachoftheparametersaffectingtheresults.Onthebasisoftheabovetheoreticalanalysis,introduceFAHPintotheanalysisoftheaffectingfactorsofhousingreversemortgageloan,fromthreemajorfactorsaffectingthedegreeofinfluence,theprobabil
7、ityofoccurrenceandcomprehensiveconsiderationthreeaspectsweightKeywords:HousingReverseMortgageLoan,ImpactFactors,FAHP目录中文摘要IIAbstractIll第1章绪论11」选题背景11.2研究目的及意义21.2.1研究目的21.2.2研究意义21.3国内外研究现状3131国外研究现状31.3.2国
