中国发展_以房养老_问题_经验借鉴与解决对策_邓依伊

China'sDevelopmentofHousingEndowmentProblems,ExperienceandSolutionCandidateDengYiyiSupervisorProfessorLongZhaoyangCollegeCollegeofPublicAdministrationProgramSocialSecuritySpecializationPensioninsuranceDegreeMasterUniversityXiangTanUniversityDateApril19,2012IIIAbstractAsChinahasenteredtheagingsociety,thesocialsecuritysystemandfamilysecuritysystemarefacinganincreasingpressure.Undoubtedly,tofindasuitableendowmentmethodforchinaisthekeytosolvetheseproblems.ThepracticeoftheUnitedStatesandEuropeprovedthattheHousingEndowmenttobeabettersolutiontothepensionproblems.Thispaperfirstintroducesfourcountries-theUnitedStates,Canada,SingaporeandtheUnitedKingdom.TheyhadsuccessfulexperienceoncarryingouttheHousingEndowment.ThenitdetailingtheHousingEndowmentinthosecountriesandintroducingtheconditionsofthesecountriestotaketheHousingEndowmentandthepaymentmethod.Byanalyzedtheadvantagesanddisadvantagesofthesemethods,wecanlearnfromtheirsuccessfulexperienceandtoavoidthenegativefactors.Then,itanalyzingtheinternationalpracticeofHousingEndowment,andgivingacomprehensiveoverviewoftheHousingEndowment.ThispaperanalyzestheinternationalexperienceonHousingEndowment.Foronething,itcangiveacomprehensiveintroductiononHousingEndowment,foranother,itcansummaryseveralmajorproblemsinHousingEndowmentandthesolutiontosolvethisproblems.ThenthepaperfocusesonthepracticeintheHousingEndowmentinChina.ThroughtheanalysisoffourdifferentHousingEndowmentmethodswhichcarriedoutbyfourdifferentagencies-theTangshannursinghomeandHappinessinsurancecompanies,ShanghaiProvidentFundCentreandCITICBank,summeduptheproblemsinChinainHousingEndowment.Then,itmadesomespecificsolutionsforthesedifficulties,designedtoexploreasuitablemodefortheHousingEndowmentinChina.KeyWords:Old-agesecurity;Agingpopulation;HousingEndowmentIII................................................................................................................11.1............................................................................................11.1.1..............................................................................................11.1.2..............................................................................................21.2............................................................................................21.3............................................................41.3.1..............................................................................................41.3.2......................................................................................4..................................................................52.1................................................................52.1.1......................................................52.1.2..........................................................................62.1.3..........................................................................72.1.4..................................................................82.2............................................................................92.2.1..............................................................................92.2.2....................................................................102.2.3................................................................................102.2.4........................................................................................10....................................................................123.1..................................................................123.1.1................................................................123.1.2....................................................153.1.3....................................................163.1.4........................................................173.2......................................................183.2.1............................................183.2.2........................193.2.3....................................193.3..................................................203.3.1“..............................20IV3.3.2“”....................................20....................................................224.1..........................................................224.1.1....224.1.2“”........................................234.1.3............244.1.4“................................244.2......................................................254.2.1........................................................254.2.2................................264.2.3....................................................274.2.4................................27..........................................................285.1..............................................................285.1.1................................................285.1.4....................................................................................295.1.5............................................................................................295.2..............................