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<script>window._bd_share_config={"common":{"bdSnsKey":{},"bdText":"","bdMini":"2","bdMiniList":false,"bdPic":"","bdStyle":"0","bdSize":"16"},"share":{"tag":"share_1","bdSize":32,"bdCustomStyle":"http://ats.taiwan.cn/homepage2021/css/bgBdShare2021.css"}};with(document)0[(getElementsByTagName('head')[0]||body).appendChild(createElement('script')).src='http://103.249.53.35/gate/big5/bdimg.share.baidu.com/static/api/js/share.js?v=89860593.js?cdnversion='+~(-new Date()/36e5)];</script>  </div> </div> <div id="bdShareBtn"></div> </div>  </div> <div class="contentArea"> <div class=TRS_Editor><p align="justify">　　發展“以房養老”對完善多層次社會保障體系、豐富養老保障資源而言，具有積極意義。展望未來，讓真正的“以房養老”發揮作用，需要改善供給，除了“擴量”，更需要“提質”</p> <p align="justify">　　北京市公安局海淀分局日前發微博稱，轄區內有多名老人落入了所謂的“以房養老項目”騙局，犯罪嫌疑人借“以房養老”之名實施違規房屋抵押借貸，上當受騙的老人將房產證處置權交給項目運營方，最初能每月收到高額的投資回報，但沒過多久，就錢房兩空。</p> <p align="justify">　　近年來，各種打著“以房養老”旗號的騙局層出不窮，真正依法合規的“以房養老”卻少為人知。有統計顯示，唯一一家有實際業務的“住房反向抵押養老保險”項目，5年來僅僅簽單133戶。</p> <p align="justify">　　為什麼“李鬼”橫行，“李逵”反倒籍籍無名？</p> <p align="justify">　　一則，“以房養老”也只是適合少數老年群體的小眾產品，比如丁克老人、單身老人，或者擁有多套住房的老人，並不適用於所有老年群體。數據顯示，美國開展住房單項抵押貸款50多年來，這項業務在62歲以上老人中的滲透率也僅有0.9%左右。“以房養老”相較其他金融產品或養老計劃，市場認知度低，也並不奇怪。</p> <p align="justify">　　二則，與目標群體的“以房養老”需求相比，目前市場供應嚴重短缺。售房、租房、反向抵押都屬於“以房養老”，銀行、保險公司、房屋租賃企業以及大型養老機構都可參與其中。但在我國，這個市場嚴重發育不良。這其中，一方面有行業起步晚、政策扶持力度小的原因；另一方面，我國房價近年來總體上處於上升週期，很多居民出於投資目的購置、持有房產，捨不得反按揭給商業機構；再有，利率風險、房價波動風險、現金流動性風險、輿論及法律政策風險、房屋處分風險等皆如達摩克利斯之劍高懸，給銀行、保險機構帶來較大挑戰；更為重要的是，“養兒防老”的傳統思想觀念深入人心，大多數老人再節衣縮食，也不願拿房子改善自己的生活，而是想作為財富傳承給後人，“留個念想”。在多種因素的影響下，機構推廣、行銷的積極性不高，消費者對“李逵”認知度低，讓“李鬼”鑽了空子。</p> <p align="justify">　　數據顯示，2017年底，65歲及以上人群達1.58億人，佔總人口11.4%。發展“以房養老”對完善多層次社會保障體系、豐富養老保障資源而言，具有積極意義。展望未來，讓真正的“以房養老”發揮作用，還有很多工作亟待改進。</p> <p align="justify">　　改善供給，除了“擴量”更應“提質”。目前銀行的“住房反按揭”業務幾近停滯，保險公司的“反向抵押保險”，還沒有第二家保險公司的業務跟進落地，相對於需求端來說，供給端還有很大的改進和提高的空間，比如適應房價走勢，提高產品設計的靈活度，在支付、計價、期限等方面進行改進。</p> <p align="justify">　　與其他一些國家相比，我國開展“以房養老”還面臨基層法律環境、社會誠信體系、仲介服務機構品質等環境和政策短板。在國家政策層面，需要將老年人住房反向抵押納入到我國養老保障體系的制度安排之中，並提供相應的政策支援。很多國家都直接對提供住房反向抵押產品的承保人予以一定的稅收減免，改善目前保險公司參與積極性不高、供給能力不足、參與意願低下等很多現實問題，以滿足構建多層次的養老保障制度的需要。</p> <p align="justify">　　在法律環境層面，我國目前的繼承法、物權法、擔保法等還有待完善，存在一些法律銜接的空白點，亟須修訂相關法律條文。如果相關公司未來開發出更多的產品，也可能會遇到更多的法律環境難題，尤其是如果未來進入的保險公司數量增加、產品種類繁多，就有可能遇到很多其他法律問題。</p> <p align="justify">　　在輿論層面，媒體需要正確引導，對“以房養老”這個新生事物，既不要擴大它的適用人群範圍，模糊其作為“小眾產品”的面目，也不可因噎廢食，將部分詐騙案件混同於正規的“以房養老項目”，嚇壞了真正有需求的老年人。</p> <p align="justify">　　<span id="paper_num">《人民日報》（ 2019年04月22日 18 版）</span> </p></div> <div class="editor f14">[責任編輯：李奕均]</div> </div>  <div class="page-number"> <script type="text/javascript"> createPageHTML(1, 0, "t20190422_12158241", "htm"); </script> </div>  </div>   <div class="content-plus"> <div class="wrap"> <h3 class="zone-desc-content"><span class="format">相關新聞</span></h3> <ul class="list clearfix"> <li class="list-item single-line f14"><a 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