CAJ | 학술논문

在人口老龄化日益严重的今天，以房养老作为完善社会保障体系的有益补充，中国一些地区也陆续开展以房养老的探索活动，但效果并不理想。家庭伦理的困境、金融业分离经营的现状以及二手房地产场不发达等因素，成为以房养老进一步发展的制约因素。在此背景下，需要构建符合中国国情的制度及舆论环境，健全二手房市场运行机制，完善金融市场体系和社会保障体系成为推进以房养老的路径选择。
재인구노령화일익엄중적금천，이방양로작위완선사회보장체계적유익보충，중국일사지구야륙속개전이방양로적탐색활동，단효과병불이상。가정윤리적곤경、금융업분리경영적현상이급이수방지산장불발체등인소，성위이방양로진일보발전적제약인소。재차배경하，수요구건부합중국국정적제도급여론배경，건전이수방시장운행궤제，완선금융시장체계화사회보장체계성위추진이방양로적로경선택。
Nowadays, with an aging population has been becoming more and more serious, retirement with house works as a useful supplement to perfect the social insurance system, which has been carried out through some relative exploratory activities by some parts of China., However, the effect is not ideal. Some factors such as the plight of family ethic, the situation of financial, separate operation and the decline of second-hand housing market, have become the constraints for the further development of retirement with house. Against this background, we need to establish relative institutions and the public opinion environment that accord with China's actual conditions, improve the operating mechanism of second-hand housing market and perfect the financial market system and the social insurance system, all of which can be the path choices to carry the retirement with house a step forward.