Urban Housing Reverse Mortgage Pension Model Research In Beijing

In 2011,in the national social pension service system to promote the meeting,the Ministry of Civil Affairs Minister Li Liguo said that in order to make the elderly elderly pension problems are properly resolved,the Ministry of Civil Affairs will try to implement the "housing pension" model.In the same year on October 9,CITIC Bank issued "Xinfuhua card" in Beijing starting,becoming the first housing reverse mortgage pension business.June 2014 China Insurance Regulatory Commission issued the "on the elderly housing reverse mortgage pension insurance pilot"(Bao Jian Fa [2014] 53),decided since July 1,2014,in Beijing,Shanghai,Guangzhou and Wuhan to carry out the elderly housing reverse mortgage insurance(that is,housing pension)pilot.March 23,2015,happy life company launched the "happy room to treasure" by the CIRC formally approved,became the first housing reverse mortgage pension insurance products.At this point,the Beijing housing reverse mortgage pension model into a comprehensive practice to explore the stage.This paper briefly introduces the model of reverse housing mortgage in foreign countries,summarizes its successful experience to learn from.This paper analyzes the background,operation mode and operation effect of the housing back mortgage model in Beijing by means of theoretical induction and data analysis,and analyzes the existing problems of the housing mortgage model in Beijing,and puts forward the countermeasures and suggestions TheThrough the study of the housing mortgage model in Beijing,it can be seen that it plays an important role in expanding the pension income channel,raising the pension income level and reducing the financial pension burden.Although in the early exploration of many problems and obstacles,but with the concept of the concept of the elderly pension,government support and product optimization and innovation,China's housing reverse mortgage pension insurance in the continuous practice and improvement will be fully developed,Supplement the pension system,rich pension model and ease the role of pension pressure.