Study On Risk And Avoidance Mechanism Of House Endowment Insurance

As a developing country,with the implementation of economic and social development and the national policy of family planning,it is not only makes China enter the aging society than western countries at a faster speed and larger scale,and shows obvious characteristics of "old before rich".Under this background,the elderly can not accumulate enough the financial assets to support all life and the current old-age security model to child support,pension,social security.It is very difficult to meet the needs of urban and rural residents pension higher level.Therefore,it is urgent to find a new way of providing for the aged.As a supplementary pension insurance mode,the house-for-pension scheme has a rapid development in the western countries,but it has also received great attention from Ancient Chinese Literature Search and business circles,and in July 1,2014,after more than 10 years of brewing house-for-pension scheme of insurance business in Beijing,Shanghai,Guangzhou and Wuhan four places to start a pilot implementation.However,by the end of June 2016,a pilot for two years "house-for-pension scheme" policy is responded to a handful.The reason is that the stakeholders of the "housing endowment" of the various risk assessment can not put forward effective countermeasures.Fully estimate the various risks faced by house-for-pension scheme ",and to establish a targeted risk aversion mechanism,will greatly promote the" house-for-pension scheme "mode in China to promote,promote further improvement of our country's endowment insurance system.In this paper,under the background of population aging,the "housing endowment" model is a new idea of old-age security,it may also become a new way to broaden the sources of pension funds and improve the old-age security system.In this paper,face he difficulties of our country at this stage,and analyzes the various risks faced by house-for-pension scheme",and try to establish a model of one of the biggest market risk evaluation,then put forward the idea of " house-for-pension scheme" for market risk.The realization of China's old-age security system,increased pension funding,break through the stage of "house-for-pension scheme" development dilemma to broaden the idea,but also can provide reference for the selection of the operational level.The first chapter mainly discusses the research background,research significance,ideas and methods of the housing endowment,and combs the technical framework of this paper.The second chapter summarizes the relevant theories of housing endowment,and makes a literature review on the research status at home and abroad,which is the theoretical basis of the study.The third chapter analyzes the current situation of housing pension in our country and the existing problems.The fourth chapter is to identify and analyze the main risks faced by our country in housing pension.The fifth chapter is to use the risk measurement model to estimate the market risk of housing endowment.The sixth chapter is to sum up the successful experience of foreign countries and to provide a reference for our countryThe seventh chapter is to put forward our country to the housing endowment market risk avoidance mechanism.