关键词: 人口老龄化, “医养结合”养老模式;, 住房反向抵押养老保险, 社会养老保险体系, 养老产业, 长三角一体化

Abstract: At present, population aging in the Yangtze River Delta is prominent, which brings great challenge to the traditional social pension security system. Housing reverse mortgage endowment insurance, as a new type of commercial pension insurance under the mode of "combination of medicare and pension", can broaden the financial financing channels for pension and relieve the pressure of social pension.Based on the questionnaire survey on the demand of housing reverse mortgage endowment insurance in the aging population of Yangtze River Delta region, and the data analysis by logistc regression model and cross-list analysis method, the paper proposes that housing reverse mortgage endowment insurance should be promoted by the government.

Key words: Aging Population, The Mode of “Combination of Medicare and Pension”, Housing Reverse Mortgage Endowment Insurance, Social Endowment Insurance System, Pension Industry, Integration of Yangtze River Delta