我国人口老龄化问题凸显,给传统社会养老保障体系带来巨大挑战。住房反向抵押养老保险作为“医养结合”养老模式下的新型商业养老保险,可拓宽养老金融筹资渠道,缓解社会养老压力。本文在对长三角地区人口老龄化背景下住房反向抵押养老保险需求情况进行问卷调查的基础上,运用logistc回归模型和交叉列表分析法对数据进行了分析,认为我国推行住房反向抵押养老保险应在政府推动下进行。

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.