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2013年《国务院关于加快发展养老服务业的若干意见》35号文件中明确提出:“开展老年人住房反向抵押养老保险试点”引起全社会的广泛关注。2014年3月20日,中国保监会向各个保险公司下发《关于开展老年人住房反向抵押养老保险试点的指导意见(征求意见稿)》,对保险公司开展住房反向抵押业务进行了详细的规定。本文主要从保险公司开展住房反向抵押业务的具体内容出发,解读政策对保险公司的具体要求、对投保人的具体要求。并对住房反向抵押业务在我国实行的条件展开论述,通过分析我国的养老社会保障系统现状、城镇居民的住房私有率;房屋二级市场状况;以及保险公司现有的业务基础等方面,讨论保险公司在城镇开展住房反向抵押业务的可行性。
In 2013, the State Council on Accelerating the Development of the Pension Services Industry No. 35 clearly stated in the document: “Launching the Pilot Project of the Old-age Housing Reverse Pensions Insurance” has aroused widespread concern in the whole society. On March 20, 2014, CIRC issued the Guiding Opinions on Conducting the Pilot Project of Old-age Housing Reverse Pledged Pension Insurance (Draft for Comment) to various insurance companies, and carried out a detailed Provisions. This article mainly from the insurance company to carry out the specific content of the housing reverse mortgage business, explain the policy of the insurance company’s specific requirements, the insured’s specific requirements. And discusses the conditions for implementing the reverse mortgage business in China. By analyzing the status quo of social security system in our country, the private ownership rate of urban residents, the secondary market of housing, and the existing business foundation of insurance companies, Insurance companies in the town to carry out reverse mortgage mortgage business feasibility.