CAJ | 학술논문

我国正快速步入老龄化社会，养老压力日益突出，传统养老模式已不能满足市场经济条件下人们对养老的需求。作为避免老龄化危机的有效途径，反向抵押贷款在美国取得了巨大的成功。文章分析了在我国实施反向抵押贷款的必要性和可行性，并指出了存在的风险。
아국정쾌속보입노령화사회，양로압력일익돌출，전통양로모식이불능만족시장경제조건하인문대양로적수구。작위피면노령화위궤적유효도경，반향저압대관재미국취득료거대적성공。문장분석료재아국실시반향저압대관적필요성화가행성，병지출료존재적풍험。
With the rapid population aging in China, the pressure of supporting the old comes to be a big issue. The traditional models cannot meet the requests under market-oriented economy conditions. Reverse mortgage, which is another effective way to avert the old age crisis, has achieved a great success in America. This paper not only analyses the necessity and the feasibility for carrying out the reverse mortgage, but also points out its existing risks.