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逆向年金抵押贷款的精算模拟与实证研究
时间:2011-02-14 浏览次数:1490次 无忧论文网
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社会保障
养老保障养老保障
    自社会保障制度建立以来,人们已经从这种普遍意义的制度安排中分享到了社会的福祉,个人生活有了可靠的保障来源,社会得以和谐稳定发展。养老保障是社会保障体系的重要组成部分,一直以来被社会所广泛关注,因为在每个人的生命周期内都会历经从青年到老年的不同阶段,对老年富足安详生活的向往是人们共同的愿望。但是现实中,许多老年人成为“资产的富人,现金的穷人”,他们手中拥有价值不菲的不动产,却因缺少可靠的现金收入渠道而无法满足医疗、保健、休闲等多方面的养老需求。逆向年金抵押贷款作为一种补充养老保障服务提供模式,旨在通过“以房养老”的形式降低老年贫困,提高老年生活水平。老年人可以将房产抵押,由相关运作机构根据房产价值定期给付年金,实现资产现金的转换,而申请人则可以继续保留房产的居住权。本文通过交叉学科的理论阐述,结合定量分析方法,对逆向年金抵押贷款进行规范研究和实证研究,主要从五个部分介绍了逆向年金抵押贷款的内涵、特点和国际经验,逆向年金抵押贷款的风险分析,逆向年金抵押贷款的模型精算与模拟分析,并以厦门市为个案对逆向年金抵押贷款的可行性进行了实证研究。特色与创新之处体现为以下几个方面:一是系统整合了逆向年金抵押贷款理论;二是通过跨学科研究,借助投资学和精算模型,综合运用定性与定量分析、规范与实证分析的方法,对逆向年金抵押贷款的进行方案模拟;三是侧重逆向年金抵押贷款的操作性分析,结合实地问卷调查,提出我国推行逆向年金抵押贷款的可行方案。 [英文摘要]:     Since Social Security System have been founded, from which prevalent system people take the welfare, and they get the personal revenue on time, and the society develop steadily. As part of Social Security System, Old-age Security is paid more attention by the society. Not only everyone will experience younger and aged, but also they long for comfortable life when they are old. However, being short of cash, many are cash-poor despite being asset-rich. Their homes have appreciated faster than inflation, but their incomes often have not kept up with the cost of living, such as medical treatment, health care, and so on. Reverse Annuity Mortgage is a form of home equity conversion specifically suited to older homeowners who need cash from their homes but who still want to live in them. Reverse Annuity Mortgage allow older homeowners to convert their home equity into cash without having to sell their homes, which provides payments from the lender to the homeowner.  This paper provides a framework of Reverse Annuity Mortgage, describing the definiens, characteristics, and international experiences. It also analyzes the feasibility and risk of Reverse Annuity Mortgage. According to the survey in Xiamen and some models, it presents the project to develop Reverse Annuity Mortgage with quantitative analysis, giving the criterion research and demonstration research.  The characteristics and innovations of the paper is distinguished in three respects. First, it presents the theory of Reverse Annuity Mortgage systematically. Second, it adopts cross-subject research and uses different analysis methods. Third, it brings forward the feasibility policy strategy of RAM.    
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