Retirement With House: A New Pension Mode

With China facing serious aging population crisis, the status that people get old before getting rich begins to seriously challenge China's economic and social sustainable development. Furthermore the current old-age security system is not so reasonable that it calls for reform and inovation to the endowment pattern. The endowment pattern of retirement with house is positive for China in both theoretical and realistic way to solve "endowment crisis". Firstly, based on traditional social endowment and family endowment old people can realize self-endowment with their owner-occupied housing. This is a big change in endowment idea which will improve old people's quality and level of life impressively. Secondly, while retirement with house improves property market'liquidity and activates secondhand-property market it has a positive effect on the healthy development of the real estate enterprises. Finally, retirement with house will bring new business to financial institutions and cultivate new economic growth point. At last new generational relation will grow which is adapted to the socialist market economic system. This benefits social stable development and the building of a harmonious socialist society expanding profit space, finally formation and the socialist market economic system adapted to the new generational relation, social stability development and the building of a harmonious socialist society has huge benefits.Research methods of this article contain comparison, theoretical analysis, system analysis and so on. From the view of China's old-age endowment demand, aiming to make systematic research of Chinese retirement with house pattern, with the necessity and feasibility of it is proposed the article analyses the opportunities and development prospects the pattern meets in China.Logically, this paper angles at ideological line of "practice-theory-practice" and summarizes the theoretical framework in need from foreign countries'retirement with house development pattern and historical experience. Then analysis and research is proposed to guide the implementation of retirement with house pattern in China by the use of the existing theoretical framework and knowledge system. Hope it can provide some suggestions to help Chinese retirement with house pattern'building with the theoretical framework and mode structure that this article proposed.