The Aging of the Population and Housing Reverse Mortgages in China



The aging of the population is the inevitable result of social and economic development, while at the same time it exerts a major impact on the socio-economic and cultural development. The housing reverse mortgages allow the elderly to change properties into cashes and increase pension funds through their own resources to improve the quality of life in old age, and open up a new for solving the problem of pension. However, this project itself is huge, which calls for the government, the banks, insurance companies, social security departments and other relevant parties to unify their understanding, coordinate actions, and co-operate with each other.
Key words: the aging of the population, housing reverse mortgages, Social Security
Résumé: Le vieillissement de population est la conséquence inévitable du développement économique qui exerce en même temps une influence sur le développement social et culturel. La mise en application de l’emprunt-logement inverse peut encourager les personnes âgées à utiliser leurs propres ressources pour rendre la propriétés bâties en cash, augementer leur pension de retraite, améliorer leur qualité de vie. C’est une nouvelle pensée pour résoudre les problèmes du vieillissement de la population. L’application de cette mesure est un travail colossal et complexe. Il faut que le gouvernement, les banques, les compagnies d’assurances et les départements de couverture sociale coordonnent leurs actions et travaillement en étroite collaboration.
Mots-Clés: vieillissement de la population, emprunt-logement inverse, couverture sociale

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