Research on Risk of Implementing Housing Reverse Mortgages in China
Yuehe Chen, Qing Wu

Abstract
After China entered the aging society, the age structure of the population is aging, increasing the social dependency ratio, making the traditional family model unsustainable pension after retirement elderly, socioeconomic status decline, also significantly reduced income due to diseases caused by medical expenses, but with age and the inevitable increase, China has yet to establish a current to match the perfect Social Security system. Thus, housing reverse mortgages as innovative financial products in China pension realistic implementation needs. However, the specific implementation process, problems and obstacles facing many still resolved. This article from China's national conditions, the implementation of housing reverse mortgage process faced by risk analysis, and proposed some specific risk control measures and proposals to this endowment of financial products can be successfully implemented in China.

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