反抵押貸款在中國(guó)實(shí)行的局限性分析

國(guó)際貿(mào)易論文編號(hào):GM762  論文字?jǐn)?shù):26615.頁(yè)數(shù):47  附任務(wù)書，開題報(bào)告，文獻(xiàn)綜述，外文翻譯

正文目錄
第一章  緒論 1
第一節(jié)  選題背景和選題意義 1
第二節(jié)  研究現(xiàn)狀 2
第三節(jié) 研究方法 3
第四節(jié) 創(chuàng)新點(diǎn) 3
第二章 反抵押貸款(RM)的概述和理論基礎(chǔ) 4
第一節(jié) 反抵押貸款(RM)的概述 4
第二節(jié) 反抵押貸款的理論基礎(chǔ) 6
第三章 反抵押貸款在不同國(guó)家應(yīng)用 7
第一節(jié) 反抵押貸款在美國(guó)的應(yīng)用 7
第二節(jié) 反抵押貸款在新加坡 10
第三節(jié) 反抵押貸款在日本 10
第四章 杭州老齡化情況 11
第一節(jié) 杭州經(jīng)濟(jì)狀況 11
第二節(jié) 杭州老齡化情況 12
第五章 反抵押貸款在杭州實(shí)行的局限性 16
第一節(jié) 反抵押貸款實(shí)施重要因素—保險(xiǎn)業(yè) 16
第二節(jié) 杭州房地產(chǎn)現(xiàn)狀來闡述反抵押貸款實(shí)施的局限性 17
第三節(jié) 中國(guó)傳統(tǒng)文化中的信用缺失 21
第四節(jié) 從杭州目前養(yǎng)老保險(xiǎn)制度來闡述社會(huì)養(yǎng)老意識(shí)在加強(qiáng) 23
第五節(jié)  中國(guó)傳統(tǒng)文化中的家庭觀念給反抵押貸款實(shí)施帶來的局限性 24
第六節(jié) 小結(jié) 31
第六章 出租——老年人的自助選擇 32
第一節(jié) 根據(jù)實(shí)際情況提出養(yǎng)老模型 32
參考文獻(xiàn) 34
致謝 36

 摘 要

 21世紀(jì)是老齡化的時(shí)代,全世界各國(guó)都不同程度上面臨著人口老齡化的問題,老齡化的發(fā)展一方面使得勞動(dòng)力減少,影響社會(huì)勞動(dòng)力的供給,另一方面,老齡化直接結(jié)構(gòu)就是老年人口數(shù)量增加,社會(huì)養(yǎng)老負(fù)擔(dān)加大,反抵押貸款的推行,為老年人養(yǎng)老開拓了新途徑,到目前為止,以美國(guó)為主的一些國(guó)家通過反抵押貸款的實(shí)踐解決了很多老年人養(yǎng)老的問題.
 我國(guó)的老齡化問題也相當(dāng)嚴(yán)峻,目前我國(guó)老年人口的比例已經(jīng)達(dá)到11%,據(jù)測(cè)算到2015年,60歲以上人口將超過2億,約占總?cè)丝?4%,老齡化的現(xiàn)狀和趨勢(shì)不容樂觀,同時(shí)我國(guó)目前社會(huì)保障體系發(fā)展不完善,輻射范圍窄.在此基礎(chǔ),上有學(xué)者提出了在杭州實(shí)行反抵押貸款。
 本文重點(diǎn)闡述反抵押貸款在杭州市區(qū)實(shí)行的局限性,共分為六章: 
 第一章，緒論,闡述選題意義,研究現(xiàn)狀,研究方法，創(chuàng)新點(diǎn).
 第二章介紹了反抵押貸款的基本概念和理論基礎(chǔ)，
 第三章介紹反抵押貸款三種不同操作方法，并以美國(guó)，新加坡,日本為例.
 第四章分析杭州老齡化情況.
 第五章介紹反抵押貸款在杭州實(shí)施的局限性,其中分為五部分:
 首先從反抵押貸款本身的局限性，中國(guó)保險(xiǎn)業(yè)發(fā)展情況來分析.
 其次根據(jù)杭州房地產(chǎn)實(shí)際情況來分析反抵押貸款實(shí)施局限性.
 其次將反抵押貸款應(yīng)用到杭州老年經(jīng)濟(jì)時(shí)，從經(jīng)濟(jì)學(xué)社會(huì)學(xué)來分析其局限性，這其中又分為信息不對(duì)稱，杭州養(yǎng)老保險(xiǎn)情況兩方面。其中在分析信息不對(duì)稱時(shí)，通過結(jié)合中國(guó)人信用觀念來分析。
 最后將反抵押貸款應(yīng)用到杭州老年經(jīng)濟(jì)時(shí),從傳統(tǒng)文化中家庭觀念來分析其局限性，其中又從實(shí)施反抵押貸款可能給“孝“文化帶來沖擊；傳統(tǒng)家庭觀念會(huì)對(duì)反抵押貸款帶來沖擊；承認(rèn)中國(guó)和美國(guó)在家庭觀念上確實(shí)存在著差別三大方面來闡述。
 第六章根據(jù)杭州自身老年經(jīng)濟(jì)的特點(diǎn)和杭州特有的方面來提出一種適合杭州老年人自助的方式：出租.
 
 
關(guān)鍵詞：反抵押貸款  信息不對(duì)稱  傳統(tǒng)家庭觀念  房地產(chǎn)  杭州養(yǎng)老保險(xiǎn)  道德風(fēng)險(xiǎn)

 ABSTRACT
 The 21st century is the century of the ageing of the world .all countries are faced with the problem of the ageing of the population, On one hand, the development of the ageing reducing the workforce, reduced the social labor supply, on the other hand, the direct influence of the ageing of the elderly is the increased number of old people,with  social burden increasing. In the western word, the implementation of reverse mortgage has opened up new avenues pension for the elderly .So far, some countries, mainly the United States, have adopted the practice of anti-mortgage loans to solve a lot of elderly pension  issues.
 China's aging problem is quite severe, at present the proportion of China's elderly population has reached 11 percents. It is estimated in the year of 2015, the population aged over 60 will be over 200 million, accounting for about 14% of the total population. The status and trends the ageing of are Optimistic, while China's current development of the social security system is imperfect, with narrow the scope of radiation.     Some scholars have suggested the application of reverse mortgage loans On this basis. This article focuses on the limitations of the implementation  of reverse mortgage loans in HangZhou, divided into six chapters:   ChapterI, Introduction, introducing the significance of topics the status of study, the way to study, the innovation.  chapterII, introduce the basic concept, theoretical foundation of the   reverse mortatge.  ChapterIII, introduce there different reverse mortgage operations, including the United States, Singapore, Japan   ChapterIV, introduce the situation of HangZhou ageing
 ChapterV, introduce the limitations of the implementation of reverse mortgage loans in Hangzhou, which is divided into five parts:   First, from the reverse mortatge’s limitation and the development     of insurance in China to analysis the limitation of the reverse      mortatge.
      Second according to the actual situation of real estate in HangZhou
to analysis the limitation of the reverse mortatge.
 Third, from the socialism to analysis the limitation of the reverse  mortatge, including asymmetric information and endowment insurance .In the analysis of asymmetric information,the chapter is related with the concept of credit of Chinese people.
 Finally, from the traditional culture of family values to analyze their limitations, Including it may cause the traditional Chinese "filial piety" culture shock to apply the reverse mortatge ,in some developed countries,it is a major way to support the old people for the whole society, and we should commit there are differences between the concept of America  and China.
 Chapter VI, according to the situation of HangZhou and the situation of the aging to suggest a suitable way for old people to self-help: rent
 
 
KEYWORDS: reserve mortgage   Asymmetric information Traditional family values   Real estate   endowment insurance of HangZhou    moral hazard