CAJ | 학술논문

由于我国社会养老保障水平较低，通过土地承包经营权反向抵押，可以在一定程度上弥补新型农村社会养老保险资金不足的问题，提高老年人的养老保障水平。借鉴国外相关经验，从法律、经济、社会3个方面对我国实行农村土地承包经营权反向抵押的可行性进行了分析，剖析了制约这一制度实施的法律障碍在于是否会对公有制造成冲击、是否会悖离代际公平的理念、法律配套不健全，进而以权利设置的法律逻辑，即权利性质、权利主体、权利客体、权利内容、权利期限为线索探讨突破障碍的法律制度设计。
유우아국사회양로보장수평교저，통과토지승포경영권반향저압，가이재일정정도상미보신형농촌사회양로보험자금불족적문제，제고노년인적양로보장수평。차감국외상관경험，종법률、경제、사회3개방면대아국실행농촌토지승포경영권반향저압적가행성진행료분석，부석료제약저일제도실시적법률장애재우시부회대공유제조성충격、시부회패리대제공평적이념、법률배투불건전，진이이권리설치적법률라집，즉권리성질、권리주체、권리객체、권리내용、권리기한위선색탐토돌파장애적법률제도설계。
Because of the poor social security in rural areas of China,reverse mortgage of contractual right of land can,to a certain degree,make up the shortage of fund for new type rural social security system and improve the social security level of the aged people in the countryside.Based on relative experience of foreign countries,this paper analyzes the feasibility of reverse mortgage of rural contractual right of land from legal,economic and social aspects.This paper then analyzes the legal impediment to fulfil this system which includes whether or not this system will attack public ownership,whether or not it will deviate from inter-generational equity and imcomplete legal supporting measures.Consequently,this paper explores the legal institutional design on how to break through the legal impediment in accordance with such clues as nature of right,subject of right,object of right,content of right and duration of right.