“易房养老”的优势及其可行性研究.pdfVIP

The Advantages and Feasibility Study of Exchange-house-for-pension Abstract As one of ―House-for-pension‖ mode, ―Exchange-house-for-pension‖ is popular in many countries. Being different from another fundamental mode ―Reverse mortgage‖, ―Exchange-house-for-pension‖ gives the senior citizen economic support by exchanging the house, rather than simple exchanges of assets with capital. Although the ―House-for-pension‖ which is to obtain the value of housing for the aged was introduced to China several years ago, the major cities and financial institutions choose ―Reverse mortgage‖ as the main form, with their own products launched. However, the effect they achieved is quite limited. Therefore, through comparing the advantages of ―Exchange-house-for-pension‖ to the advantages of ―Reverse mortgage‖, this thesis explores the feasibility of ―Exchange-house-for- pension‖ in China , which has certain practical significance to further develop the endowment resource. The thesis can be divided into the following three parts: In the first place, by the method of literature analysis and summing up the situation and practice toward the theories home and abroad, the thesis makes the definition and basic theory of ―Exchange-house-for-pension‖ clear, and points out the differences and commons between ―Exchange-house-for-pension‖ and ―Reverse mortgage‖. Secondly, the thesis applies the method of comparative analysis, to summarize the