论文部分内容阅读
财经评论人吴其伦说,抵押房养老不如卖房养老。一是变相鼓励年轻人民众为高房价埋单;二是变相把老人拥有的房屋变成金融、保险机构的盈利产品;三是变相降低民政保障部门应尽的保障责任;四是延缓房屋上市交易时间;五是容易令无房老人滋生不满情绪,从而激化社会矛盾。财经评论员余丰慧认为,以房养老首先要进行双轨制改革。解决养老问题不能眼睛只是紧盯普通百姓,又是延迟退休,又是延期领取养老金,又要以房养老。首先,与应该进行双轨制改革,然后,财政负担大头,弥补历年欠账。我国财政养老资金占比不足12%,美欧高达40-50%。
Financial critic Wu Qilun said that mortgage housing pension is not as good as selling homes for the elderly. One is to encourage young people in disguise to pay high prices; the second is disguised as the elderly owned houses into financial products, insurance institutions, the profitability of the third is to reduce the protection of civil affairs departments should be made in disguise; fourth is to delay the listing of housing transactions ; Fifth, it is easy to make non-rooming elderly breed dissatisfaction, thus intensifying social conflicts. Yu Feng Hui, a financial commentator, believes that housing pension should be first and foremost a two-track reform. To solve the problem of pensions can not just focus on the eyes of ordinary people, but also delayed retirement, but also deferred pension, but also housing pension. First of all, we should carry out a two-track reform and then make the bulk of the financial burden to make up for the past year’s debts. China’s financial pension funds accounted for less than 12%, the United States and Europe as high as 40-50%.