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	具有长期护理保障功能的住房反抵押产品研究
	陈秉正 ; 秦鹏 ; 邓颖璐 ; CHEN Bingzheng ; QIN Peng ; DENG Yinglu
	2016-03-30 ; 2016-03-30
关键词	住房反抵押 长期护理保险 产品定价 reverse mortgage long-term care insurance product pricing F842.67 F842.684
其他题名	A Study on Reverse Mortgage with Long-Term Care Insurance Function
中文摘要	针对我国目前人口老龄化和老年人长期护理存在的问题,本文将住房反抵押贷款和长期护理保险结合,设计了具有长期护理保障功能的住房反抵押产品。建立了产品定价模型,并利用中国数据和计算机模拟方法进行了定价测算,同时对房屋价格增长率进行了敏感性分析。测算结果显示,该产品能够为老年人提供足够的养老年金和长期护理保障。; In recent years,China is facing with grave problems of population aging and inadequate long-term care of the elderly. This article combined reverse mortgage and long-term care insurance,and designed a reverse mortgage product with long-term care insurance function. Product pricing model was established and pricing projection was made using the actual data in China's market and computer simulation. The robustness of the growth rate of house price was also analyzed by conducting the sensitivity testing. The result showed that this product could provide adequate pension and long-term care insurance for the elderly.
语种	中文 ; 中文
内容类型	期刊论文
源URL	[http://ir.lib.tsinghua.edu.cn/ir/item.do?handle=123456789/145647]
专题	清华大学
推荐引用方式 GB/T 7714	陈秉正,秦鹏,邓颖璐,等. 具有长期护理保障功能的住房反抵押产品研究[J],2016, 2016.
APA	陈秉正,秦鹏,邓颖璐,CHEN Bingzheng,QIN Peng,&DENG Yinglu.(2016).具有长期护理保障功能的住房反抵押产品研究..
MLA	陈秉正,et al."具有长期护理保障功能的住房反抵押产品研究".(2016).

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