Abstract
the paper first from the present the trend of aging, expounds the main concept of this paper and involved in the background and significance, for housing reverse mortgage loan introduces connotation above thus puts forward to the borrower risk identification framework, the life expectancy, future housing value fluctuation, loan interest and so on various risk factors, and the correlation analysis of its generating mechanism analysis. Meanwhile to prevent these risks were expounded. Finally, in housing reverse mortgage loan theory research and risk research put forward, based on the practice in housing reverse mortgage loan risk management some concrete measures and Suggestions.
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