【精选】住房反向抵押贷款_国外经验_风险因素及发展展望_胡继晔.pdf

Vol.2, No.11 Scientific Research on Aging November 2014 C913.6 F832.45 A 2095-5898 (2014) 11 - 0014 - 12 Housing Reverse Mortgage: Overseas Experience, Risk Factor and Development Prospect HU Ji-ye (Center for Law and Economics, China University of Political Science and Law, Beijing 100011, China) Abstract With the increasing aging population in euramerican developed countries, reverse mortgage products have developed fast since the 1990s and have made undeniable contributions in solving poverty problems. The instruction of carrying out the pilot project of housing reverse mortgage which published by China insurance regulatory commission in 2014 have laid the foundation for the housing reverse endowment insurance in China. As an innovative commercial insurance, housing reverse mortgage should use for reference the experience and lessons in — 14 — developed countries, attach importance to the top design in the beginning. The insurance industry should make full use of advantage of actuarial studies and learn the practice experiences of banking industry, evaluate the risk factors like market, longevity, morality ,law and so on, and do the pi