| 住房反抵押货款模式中的预期寿命风险及其承担机制 |
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| 引用本文： | 童汇慧.住房反抵押货款模式中的预期寿命风险及其承担机制[J].浙江省政法管理干部学院学报,2007,87(6):66-69. |
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| 作者姓名： | 童汇慧 |
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| 作者单位： | 浙江工商大学经济学院 浙江杭州310018 |
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| 摘 要： | 以住房反抵押贷款模式辅助现行的养老制度，以改善老年人的生活水平、寻求和建立养老保障的新机制，近来收到了广泛的关注。但是该模式在推行中会由于种种不确定性，借贷双方都将面临较大风险，从而使这一模式的推行遭遇相当的障碍。本文着重对该模式推行中涉及的借款者的预期寿命与实际寿命之间的差异风险，以及其承担机制，给予了较深入的探讨。
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| 关 键 词： | 反向抵押贷款 预期寿命风险 承担机制 |
| 文章编号： | 1009-1505(2007)06-0066-04 |
| 修稿时间： | 2007年10月10 |
Longevity Risk and the Mechanism of Risk-Taking of the Reverse Mortgage against House Property Model |
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| TONG Hui-hui.Longevity Risk and the Mechanism of Risk-Taking of the Reverse Mortgage against House Property Model[J].Journal of Zhejiang Gongshang University,2007,87(6):66-69. |
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| Authors: | TONG Hui-hui |
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| Abstract: | As an assistant of the current system for providing for the aged,the model of reverse mortgage against house property has received much attention.It is a new mechanism of improving the standard of living and security for providing for the aged.However,this model encounters some obstruction in its implementation due to various uncertainties.This article analyzes the risk of difference between borrower's anticipated longevity and practice longevity,and discusses the mechanism to keep away the risk. |
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| Keywords: | reverse mortgage against house property anticipated longevity risk mechanism of risk-taking |
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