Legal Ana Lysis Of "Reverse Mortgage"

In recent years,China' s population growth rate has slowed down significantly,but under the influence of "Family Planning" the population structure of our country is very-unreasonable and the aging process is very rapid,although our country has implemented the "comprehensive two-child policy",But it will take a long time to improve the population structure significantly.Different from the developed countries,our country has a large population,a low per capita income,and its own economic pressure and insufficient social security system can not fully meet the needs of the elderly in their old age.Therefore,it is very necessary to explore and study a new mode of old-age support.Real estate is often the most precious property of a Chinese,therefore,in China to promote "Reverse mortgage",so that it is a public welfare supplementary pension model,It is helpful to change the embarrassing situation of the old people in our country.It is undeniable that the legislation of our country is not perfect at present,and the main body of "Reverse mortgage,is still being explored.At the same time,the lack of good faith also affects the enthusiasm of the public to choose this pension model.If we can legislate clearly the attributes of "Reverse mortgage",make sure that there are laws to be followed,make clear the access rules of the subject of Reverse mortgage",create a more complete dispute resolution mechanism,and then perfect the construction of the system.We should strengthen the supervision of financial institutions and improve the system of personal credit information,and then set up a government guarantee mechanism in good time,reduce the legal risk of "Reverse mortgage",gain the people' s trust in this financial business,and implement "Reverse mortgage" in our country.The market and prospects of the new pension model are very optimistic.