第PAGE\*Arabic\*MERGEFORMAT20页共NUMPAGES\*MERGEFORMAT20页我国推行以房养老的现状,对策及展望[摘要]近年来，伴随着中国城市化道路进程的不断发展，中国人口结构老龄化问题突出，现有的社会养老方式还不能有效解决中国的养老问题。“以房养老”是一种新型的养老基金来源模式，在中国实行“以房养老”政策，是一种有效地解决养老压力的模式。以房养老模式的本土化成为焦点，国内学者纷纷提出了对此问题的见解。本文对有关“以房养老”模式这一课题的研究进行了文献综述，就以房养老模式的涵义、发展现状、发展的现实意义、实施障碍和建议等几个方面进行总结，以能够为日后相关研究和我国养老事业的发展提供参考。[关键词]老龄化以房养老反向抵押贷款abstractinrecentyears，withchina'surbanizationprocessofdevelopment，china'spopulationstructureagingproblems，theexistingsocialendowmentmodecan'teffectivelysolvechina'spensionproblems."totheroomendowment"isanewtypeofpensionfundsourcepattern，inchinaimplements"totheroomendowment"policy，isakindofeffectivelysolveendowmentpressuremodel.enjoylifewiththebuildingmodelocalizationbecomefocus，domesticscholarshaveputforwardopinionstothisproblem.inthispaper，therelevant"enjoylifewiththebuildingmodethistopicresearchisaliteraturereview，themeaningoflifewiththebuildingmode，developmentpresentsituation，thedevelopmentofpracticalsignificance，implementationbarriersandthesuggestionandsoonseveralaspectscarryonthesummary，toforfuturerelatedresearchandthedevelopmentofthecauseofchina'sendowmenttoprovidethereference.keywordsenjoylifewiththebuildingreversemortgageloan目录摘要.............................................................................................................1abstract.......................................................................................................2目录.............................................................................................................31以房养老国内外研究现状.....................................................................11.1国外研究现状.............................................................................11.2国内研究现状.............................................................................22以房养老的现实意义............................................................................43我国推行以房养老的障碍.....................................................................74我国推行以房养老的对策及展望..................................