反抵押贷款在中国实行的局限性分析

论文编号:GM762  论文字数:26615.页数:47  附任务书，开题报告，文献综述，外文翻译

 摘 要

 21世纪是老龄化的时代,全世界各国都不同程度上面临着人口老龄化的问题,老龄化的发展一方面使得劳动力减少,影响社会劳动力的供给,另一方面,老龄化直接结构就是老年人口数量增加,社会养老负担加大,反抵押贷款的推行,为老年人养老开拓了新途径,到目前为止,以美国为主的一些国家通过反抵押贷款的实践解决了很多老年人养老的问题.
 我国的老龄化问题也相当严峻,目前我国老年人口的比例已经达到11%,据测算到2015年,60岁以上人口将超过2亿,约占总人口14%,老龄化的现状和趋势不容乐观,同时我国目前社会保障体系发展不完善,辐射范围窄.在此基础,上有学者提出了在杭州实行反抵押贷款。
 本文重点阐述反抵押贷款在杭州市区实行的局限性,共分为六章: 
 第一章，绪论,阐述选题意义,研究现状,研究方法，创新点.
 第二章介绍了反抵押贷款的基本概念和理论基础，
 第三章介绍反抵押贷款三种不同操作方法，并以美国，新加坡,日本为例.
 第四章分析杭州老龄化情况.
 第五章介绍反抵押贷款在杭州实施的局限性,其中分为五部分:
 首先从反抵押贷款本身的局限性，中国保险业发展情况来分析.
 其次根据杭州房地产实际情况来分析反抵押贷款实施局限性.
 其次将反抵押贷款应用到杭州老年经济时，从经济学社会学来分析其局限性，这其中又分为信息不对称，杭州养老保险情况两方面。其中在分析信息不对称时，通过结合中国人信用观念来分析。
 最后将反抵押贷款应用到杭州老年经济时,从传统文化中家庭观念来分析其局限性，其中又从实施反抵押贷款可能给“孝“文化带来冲击；传统家庭观念会对反抵押贷款带来冲击；承认中国和美国在家庭观念上确实存在着差别三大方面来阐述。
 第六章根据杭州自身老年经济的特点和杭州特有的方面来提出一种适合杭州老年人自助的方式：出租.
 
 
关键词：反抵押贷款  信息不对称  传统家庭观念  房地产  杭州养老保险  道德风险

 
 ABSTRACT
 The 21st century is the century of the ageing of the world .all countries are faced with the problem of the ageing of the population, On one hand, the development of the ageing reducing the workforce, reduced the social labor supply, on the other hand, the direct influence of the ageing of the elderly is the increased number of old people,with  social burden increasing. In the western word, the implementation of reverse mortgage has opened up new avenues pension for the elderly .So far, some countries, mainly the United States, have adopted the practice of anti-mortgage loans to solve a lot of elderly pension  issues.
 China''''s aging problem is quite severe, at present the proportion of China''''s elderly population has reached 11 percents. It is estimated in the year of 2015, the population aged over 60 will be over 200 million, accounting for about 14% of the total population. The status and trends the ageing of are Optimistic, while China''''s current development of the social security system is imperfect, with narrow the scope of radiation.     Some scholars have suggested the application of reverse mortgage loans On this basis. This article focuses on the limitations of the implementation  of reverse mortgage loans in HangZhou, divided into six chapters:   ChapterI, Introduction, introducing the significance of topics the status of study, the way to study, the innovation.  chapterII, introduce the basic concept, theoretical foundation of the   reverse mortatge.  ChapterIII, introduce there different reverse mortgage operations, including the United States, Singapore, Japan   ChapterIV, introduce the situation of HangZhou ageing
 ChapterV, introduce the limitations of the implementation of reverse mortgage loans in Hangzhou, which is divided into five parts:   First, from the reverse mortatge’s limitation and the development     of insurance in China to analysis the limitation of the reverse      mortatge.
      Second according to the actual situation of real estate in HangZhou
to analysis the limitation of the reverse mortatge.
 Third, from the socialism to analysis the limitation of the reverse  mortatge, including asymmetric information and endowment insurance .In the analysis of asymmetric information,the chapter is related with the concept of credit of Chinese people.
 Finally, from the traditional culture of family values to analyze their limitations, Including it may cause the traditional Chinese "filial piety" culture shock to apply the reverse mortatge ,in some developed countries,it is a major way to support the old people for the whole society, and we should commit there are differences between the concept of America  and China.
 Chapter VI, according to the situation of HangZhou and the situation of the aging to suggest a suitable way for old people to self-help: rent
 
 
KEYWORDS: reserve mortgage   Asymmetric information Traditional family values   Real estate   endowment insurance of HangZhou    moral hazard
 
  

正文目录
第一章  绪论 1
第一节  选题背景和选题意义 1
第二节  研究现状 2
第三节 研究方法 3
第四节 创新点 3
第二章 反抵押贷款(RM)的概述和理论基础 4
第一节 反抵押贷款(RM)的概述 4
第二节 反抵押贷款的理论基础 6
第三章 反抵押贷款在不同国家应用 7
第一节 反抵押贷款在美国的应用 7
第二节 反抵押贷款在新加坡 10
第三节 反抵押贷款在日本 10
第四章 杭州老龄化情况 11
第一节 杭州经济状况 11
第二节 杭州老龄化情况 12
第五章 反抵押贷款在杭州实行的局限性 16
第一节 反抵押贷款实施重要因素—保险业 16
第二节 杭州房地产现状来阐述反抵押贷款实施的局限性 17
第三节 中国传统文化中的信用缺失 21
第四节 从杭州目前养老保险制度来阐述社会养老意识在加强 23
第五节  中国传统文化中的家庭观念给反抵押贷款实施带来的局限性 24
第六节 小结 31
第六章 出租——老年人的自助选择 32
第一节 根据实际情况提出养老模型 32
参考文献 34
致谢 36