{"title":"反向抵押贷款:西班牙案例中长寿风险的影响","authors":"Atance, Debon, de la Fuente","doi":"10.26360/2021_6","DOIUrl":null,"url":null,"abstract":"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.","PeriodicalId":40666,"journal":{"name":"Anales del Instituto de Actuarios Espanoles","volume":null,"pages":null},"PeriodicalIF":0.1000,"publicationDate":"2021-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"HIPOTECA INVERSA: IMPACTO DEL RIESGO DE LONGEVIDAD EN EL CASO ESPAÑOL\",\"authors\":\"Atance, Debon, de la Fuente\",\"doi\":\"10.26360/2021_6\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"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.\",\"PeriodicalId\":40666,\"journal\":{\"name\":\"Anales del Instituto de Actuarios Espanoles\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":0.1000,\"publicationDate\":\"2021-01-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Anales del Instituto de Actuarios Espanoles\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.26360/2021_6\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q4\",\"JCRName\":\"ECONOMICS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Anales del Instituto de Actuarios Espanoles","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.26360/2021_6","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q4","JCRName":"ECONOMICS","Score":null,"Total":0}
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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