我国基于AHP-Fuzzy模糊综合评判的以房养老风险评估
Risk Assessment of House-for-Pension with AHP-Fuzzy Comprehensive Evaluation in China
摘要: 随着我国人口老龄化的加剧和住房率的不断提高，以房养老作为一种新型养老金融产品，受到了社会各界的广泛关注。是否获得足够的养老金决定了老年人是否拥有更好的生活，这凸显了控制潜在风险的必要性。因此，建立有效的以房养老风险评估体系是养老保险行业不可或缺的。以住房反向抵押贷款为例进行模型分析，与租房养老金和租房养老金相比,住房反向抵押贷款的风险介于普通风险和略高风险之间，应采取措施控制和最小化这些风险。
Abstract: With the aggravation of population aging and the continuous improvement of housing rate in China, house-for-pension as a new type of pension financial products, has been attracted widespread attention from all walks of life. However, better life of the elderly depends muchon sufficient pension, which emphasize the necessity of evaluating and preventing the potential risks. Hence, it is necessary to establish an efficient risk evaluation system of House-for-pension in China. Taking Reverse Mortgage, House-renting Pension and House-selling Pension as examples for model analysis, it was concluded that the risk of Reverse Mortgage is 3.7912, the risk of House-renting Pension is 3.4164, the risk of House-selling Pension is 3.7357. All models of House-for-pension products in China are slightly high, thus measures should be taken to control and minimize the potential risks.
文章引用：邱琳. 我国基于AHP-Fuzzy模糊综合评判的以房养老风险评估[J]. 运筹与模糊学, 2023, 13(3): 2241-2253. https://doi.org/10.12677/ORF.2023.133224

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