商业银行“倒按揭”业务的设计改进及风险应对研究-金融学专业论文.docxVIP

AbstractIn Abstract In recent years our country old age dependency ratio increased year by year and the gap of old age pension is increasing．’’Reverse Mortgage”model was introduced as a new way to solve the problem of pension in China．Although the commercial banks have government’S encouragement，their enthusiasm is not hi【gh．This study focuses on commercial banks’ improvement on the design of‘‘Reverse Mortgage”and design risk sharing mechanism to help commercial banks to solve the problem of risk response．The aim is to ensure”Reverse Mortgage”implemented smoothly in our country and reduce the