CAJ | 학술논문

随着我国老龄化程度的加剧,如何改善养老体系建设、拓宽养老资金来源渠道已经成为亟待解决的重要课题。开展反向抵押贷款养老,既可以改善老年人生活质量,又可以减轻社会保障压力。本文通过阐述我国推广反向抵押贷款的现实意义,继而以寿险业生命表为基础,建立精算定价模型,用随机模拟的方式得到均衡的月贷款额,同时考虑了反抵贷款的风险,得出反抵贷款在我国目前有吸引力并且可行,并结合我国实情提出相关建议。
수착아국노령화정도적가극,여하개선양로체계건설、탁관양로자금래원거도이경성위극대해결적중요과제。개전반향저압대관양로,기가이개선노년인생활질량,우가이감경사회보장압력。본문통과천술아국추엄반향저압대관적현실의의,계이이수험업생명표위기출,건립정산정개모형,용수궤모의적방식득도균형적월대관액,동시고필료반저대관적풍험,득출반저대관재아국목전유흡인력병차가행,병결합아국실정제출상관건의。
With the increasing degree of aging,how to improve the pension system and expand the sources of pension funds has become an important issue to be solved.Carrying out reverse mortgages can improve the quality of life of older persons,and also can reduce the pressure on social security.This article based on the life table,uses the actuarial pricing model,calculates the monthly loan by stochastic simulation,concludes that reverse mortgage is feasible in China.