CAJ | 학술논문

随着我国人口老龄化进程的不断加快，社会养老需求快速膨胀，迫切需要新型养老模式以补充现行模式。“以房养老”即住房反向抵押贷款由于能够缓解当前的养老负担，受到理论和实务界的关注。本文首先就住房反向抵押贷款在我国的推行背景展开分析，随后建立了住房反向抵押贷款两种支付方式下的保险精算定价模型，并进行了参数设定与数值模拟，最后对住房反向抵押贷款业务的风险特性和在我国的实施障碍加以分析，以期为住房反向抵押贷款在我国的推行提供政策参考。
수착아국인구노령화진정적불단가쾌，사회양로수구쾌속팽창，박절수요신형양로모식이보충현행모식。“이방양로”즉주방반향저압대관유우능구완해당전적양로부담，수도이론화실무계적관주。본문수선취주방반향저압대관재아국적추행배경전개분석，수후건립료주방반향저압대관량충지부방식하적보험정산정개모형，병진행료삼수설정여수치모의，최후대주방반향저압대관업무적풍험특성화재아국적실시장애가이분석，이기위주방반향저압대관재아국적추행제공정책삼고。
With China＇s accelerating population aging, the society＇s endowment demand is dramatically expanding. Under such situation, it＇s exigent to search for new modes as supplement to current endowment insurance system. ＂ House-for-pension＂ or housing reverse mortgage loan has caught the attention of theoretical and practical fields for its capability of ameliorating current problems. This article initially analyzes the backdrop of housing reverse mortgage loan＇s implementation in China, secondly builds up the actuarial pricing model under two payment methods with parameter setting and numerical stimulation studies, and finally discusses the risk and obstacles such service may encounter in China. We wish to provide a policy reference for China＇s practice of housing reverse mortgage loan in the future.