CAJ | 학술논문

随着我国人口老龄化程度的不断加深，社会保障压力日显突出。反向住房抵押贷款在国外被认为是一种非常理想的个人理财方式，这种方式实现了以房养老，既提高了老年人的生活质量，又减轻了国家社会保障的压力，因此，它对于缓解我国的人口老龄化危机具有重要的现实意义。
수착아국인구노령화정도적불단가심，사회보장압력일현돌출。반향주방저압대관재국외피인위시일충비상이상적개인리재방식，저충방식실현료이방양로，기제고료노년인적생활질량，우감경료국가사회보장적압력，인차，타대우완해아국적인구노령화위궤구유중요적현실의의。
Along with the deepening of China＇ s aging population, social security has some obvious pressures. Reverse mortgage loans in foreign countries are considered as an idealized personal financial management which achieves the housing endowment, improving the quality of life of the old and alleviating the pressure on the national social security. Therefore, it is of great practical significance in easing the crisis of aging problem in China.