| 厦门市“住房倒按揭”模式调查分析报告 |
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| 引用本文： | 彭山雨,彭晓娟.厦门市“住房倒按揭”模式调查分析报告[J].金华职业技术学院学报,2014,14(5):42-46. |
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| 作者姓名： | 彭山雨 彭晓娟 |
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| 作者单位： | 厦门兴才职业技术学院,福建厦门,361000 |
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| 基金项目： | 福建省教育厅A类人文社科基金项目“人口老龄化背景下住房逆按揭方案的构建——以厦门市为例” |
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| 摘 要： | 在人口老龄化日益严峻的今天,"住房倒按揭"作为一项综合型金融创新,正扮演着越来越重要的角色。针对"住房倒按揭"模式的认知程度、接受程度的相关问题,采用分层整群抽样的方法,对厦门市思明、湖里、集美三区进行问卷调查,结果显示:由于传统观念的束缚、市场运作的风险、政府法规的欠缺等原因制约"住房倒按揭"模式在厦门的实施,认为厦门推行"住房倒按揭"需加深宣传力度、加强扶持力度、建立政府监控体系等。
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| 关 键 词： | 住房倒按揭 养老保障 意愿 建议 |
A Survey on the Mode of HECM in Xiamen |
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| PENG Shan-yu,PENG Xiao-juan.A Survey on the Mode of HECM in Xiamen[J].Journal of Jinhua College of Profession and Technology,2014,14(5):42-46. |
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| Authors: | PENG Shan-yu PENG Xiao-juan |
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| Institution: | ( X iamen X ingcai Polytechnic ,X iamen 361000, China) |
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| Abstract: | Today, with the increasing degree of the aging of population, ＂Home Equity Conversion Mortgage＂, an innovative and comprehensive way of financing, is playing a more and more important role. In order to solve the related problem concerning the cognition and acceptance of Home Equity Conversion Mortgage mode, In this paper, questionnaires have been done in Siming District, Huli District and Jimei District by the way of stratified cluster sampling. It turns out that the mode is difficult to carry out in Xiamen because of the constraint of traditional ideas, the risks of operation and the lack of policy supports. I think that in order to carry out this mode in xiamen, we need to strengthen publicity, increase supports, build governmental supervision system, etc. |
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| Keywords: | HECM project retirement pension willingness suggestion |
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