以房养老制度在中国推行的实证分析——基于皖四市的实地调研

以房养老制度的推行对于我国应对当前老龄化危机、弥补养老体制不健全具有重要意义。对安徽省阜阳、合肥、六安和宿州四市调研数据分析结果表明，公众对养老问题关注不足、对以房养老制度缺乏了解和受教育程度的局限是导致以房养老接受程度较低的主要原因。为使以房养老制度顺利推行，应加大宣传力度、开发以房养老相关金融产品和构建新型专业化运作机构。

The empirical analysis of the house- for- pension scheme promotion in China - Based on the analysis of the survey data in four cities

The promotion of the reverse mortgage program plays significant role in dealing with the aging crisis and optimizing the pension system. Through the survey of Fuyang, Hefei, Lu＇an and Suzhou city, we concluded that the lack of public attention to pension problems, less understanding of pension system, bondage of traditional habits and other reasons contribute to the low acceptance of this program. To make this scheme carried out successfully, we suggest increasing publicity of reverse mortgage program, innovating related finance products, building new professional operational institution to solve the problem.