我國住房反向抵押貸款的定價(jià)研究.pdf

1、重慶大學(xué)碩士學(xué)位論文我國住房反向抵押貸款的定價(jià)研究碩士研究生：肖遙指導(dǎo)教師：劉貴文副教授學(xué)科、專業(yè)：管理科學(xué)與工程重慶大學(xué)建設(shè)管理與房地產(chǎn)學(xué)院二OO七年十月IIABSTRACTAlongwiththeagingofthepopulationinChinathesocialacteristic―“agingwithoutrichness“hasbeenbecomingobviouslythesocialsecuritypensionsys

2、temwhichhaslaggedfarbehindisfacingseverechallengesthesocialsecuritypensionsystemisturningfromtheplannedsystemthenewone.Thepolicyoffamilyplanninghasbeenleadingtoaseriousconsequencethatthe“fourtwoone“familystructuremodelwi

3、lldominatewhichincreasethedifficultyofthetradition“sonfpension““moneyfpension”.Thecombinationofanacceleratedagingofsocietythedramaticevolutionofthefamilystructurehasresultedinasubstantialemergencyof“emptynest”families.So

4、China’ssituationofoldagecareisseverecomplicated.Thedevelopedcountrieshasbeenagingsocietyfalongtimedevelopedmanyvaluableexperiencesinoldagecare.Itisaconvenienteffectivewaytolearnthesematurevaluableexperiencesfromdeveloped

5、countriesdevelopouroldagecareproductssystemswhichaccdwiththesituationofChina.Reversemtgagesisakindofpensioninsurancefinancialproductsprovedtobeofsignificanteffectinseveraldevelopedcountries.Beingabeneficialsupplementtoth

6、esocialsecuritypensionsystemreversemtgagescouldbeintroducedtoChinaindertoimprovetheconsumptionleveloftheretiredpoelderlyholdingasuitofhousingreleaseenmouspressureunderpensionwhichChinaisfacingcurrently.Thispapersystemica

7、llyexplainsrelevanttheiesofreversemtgageincludingbasisofconclusionbasicconceptsbasicfeaturesbasicelementspayingmannersthedifferencefromthetraditionalmtgage.itintroducesreversemtgagesintheUnitedStatesCanadaSingapeindetail

8、focusingonthreereversemtgageproductstheiracteristicsintheUnitedStates.Thekeyofthepracticeofreversemtgagereliesonitspricing.Thearticleemphasizesonthepricingofreversemtgagetoresearchexpound.Basedoncomprehensivecomparebetwe

9、enpayingfactpricingmodelactuarialpricingmodelreasonableamendmentfromthemthepricingmodelofreversemtgagewhichaccdswithcurrentsituationinourcountryisputfward.AccdingtoChinasactualsituationnumericalsimulationofthesinglelifep