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事实上,多年前已经有一些地方政府和金融机构开始尝试“以房养老”的模式。2003年,时任中国房地产开发集团理事长的孟晓苏将这一理念介绍到了中国。2007年他成立了幸福人寿保险公司并亲自参与这一“倒按揭”产品的研发,但至今仍没有实质性进展。据孟晓苏本人解释,其原因一是始终未获保监会批复,二是保险公司不愿亏钱而集体沉默。业内人士希望,这次国务院层面的意见出台能从顶层设计上真正推动“以房养老”的进展。
In fact, some local governments and financial institutions started to try their “pension for the aged” many years ago. In 2003, Meng Xiaosu, then chairman of China Real Estate Development Group, introduced the concept to China. In 2007, he set up Happy Life Insurance Company and personally participated in the research and development of this “reverse mortgage” product, but so far no substantive progress has been made. According to Meng Xiao Su himself explained that one reason has not been CIRC approved, and second, insurance companies do not want to lose money and collective silence. The industry hope that the views of the State Council at the introduction of the top can truly promote the design of “housing pension” progress.