多元介入专业机构性以房养老模式研究-社会保障专业论文.docxVIP

I I 摘 要 摘 要 本文在借鉴和学习国外以房养老模式和成功经验的基础上，以机构养老和以房养老 相关的理论为依据，评估我国北京、上海、南京和杭州四大城市试行的“以房养老”模 式效果，在寻找实践模式存在困境的基础上，提出了符合我国国情的房产、护理、养老 和经济金融等“多元介入专业机构性以房养老”的新模式。 该新模式由房产养老管理委托机构、抵押房产交易管理机构、养老机构健康评议管 理机构和实行一站式机构养老护理服务等四大板块组成。其中房产养老管理委托机构采 用金融、房产评估、银行贷款等相关部门联合办公的机制，以简化以房养老申办手续， 提高办事效率和公信力。特别强调了政府以委托经营方式扶持以房养老工作，即政府介 入以确保贷款供给，扶持银行从事该项业务，增强房产养老管理委托机构的权威性和信 誉度。具体操作过程，抵押房产交易管理方面主要借鉴美国国会监督住房反向抵押贷款 运行经验，在养老机构在经营性质上，采取自最初的退休享乐到最后的临终关怀的一站 式机构养护合一的服务程序。将专业护理的理念、操作程序、分类方式、服务质量与道 德风险的监督等运用到机构养老服务中，以提高入住老人健康护理的满意度。 论文通过对多元介入专业性机构以房养老模式的基本构成、运作设计和成功实施的 保障条件等逻辑论述，希望这一以房养老新模式的设计，能敦促政府出台扶持政策，加 强舆论宣传，鼓励社会各阶层积极参与，并在法律法规上加大监督管理力度，规避以房 养老实施中的道德风险，使以房养老真正发挥社会养老的积极功效。 关键词 多元捆绑介入 机构性以房养老 反向抵押 II II Abstract Abstract In this paper, and learn from foreign house-for-pension scheme model and based on the successful experience, by social institutions and house-for-pension scheme related theory as the basis, evaluation of China Beijing, Shanghai, Nanjing and Hangzhou four City pilot to the housing endowment mode, looking for the basic mode of practice predicament of existence, put forward according to the situation of China real estate, nursing, nursing and economic and financial multiple interventional professional institutions with the new model of the housing endowment. The new model is composed of four parts, respectively: Property management agencies, pension mortgage real estate transaction management institutions, pension institutions health appraisal management institutions and one-stop institution endowment care services. Which property pension management agencies by financial, property assessment, bank loans and other related departments of the joint office of the mechanism, in order to simplify the house-for-pension scheme bidding procedures, improve efficiency and credibility. Emphasizes the importance of the governments support to the housing endowment to work by operating mode, namely the government intervention to ensure that the loan supply, support the bank is engaged in the business of