反向抵押贷款:西班牙案例中长寿风险的影响

IF 0.1 Q4 ECONOMICS
Atance, Debon, de la Fuente
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引用次数: 0

摘要

西班牙的人口统计观点强调需要纳入新的选择,允许福利国家的可持续性。显然,主要解决方案之一将是反向抵押贷款,这将使老年人的重要房地产储蓄得以变现,并获得与公共养老金互补的收入。本文从长寿风险的角度,分析了使用性别差异死亡率表与男女通用死亡率表之间的影响,显示了银行全球投资组合管理的重要性。关键词:反向抵押贷款,一次性付款,死亡率建模与预测,性别平等,长寿风险。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
HIPOTECA INVERSA: IMPACTO DEL RIESGO DE LONGEVIDAD EN EL CASO ESPAÑOL
Abstract The demographic perspective in Spain highlights the need to incorporate new alternatives that allow the sustainability of the welfare state. Clearly, one of the main solutions will be the reverse mortgage, which allows the important real estate savings of the elderly to realese and to procure income complementary to public pensions. This article analyzes, from the point of view of longevity risk, the impact between the use of sex distinct mortality tables or unisex tables, showing he importance of global portfolio management by the bank. Keywords: Reverse Mortgage, Lump Sum, Mortality Modelling and Forecasting, Gender Equality, Longevity Risk.
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