中文摘要：

随着社会的发展，我国的养老问题日益凸显，有关以房养老模式的研究，已经引起社会各界的重视。文章通过对我国养老现状及金融环境的系统地分析，论证了以房养老——反向住房抵押贷款在我国实行的可行性，并从加强法制建设、规范资信评级机构、加快专业人才培养、强化规范化建设和加大政府扶持力度等方面给出了在我国如何实行以房养老的相关对策、建议及展望，为未来的市场参与者提供一个参考。

英文摘要：

With the development of society, the pension problem has become a increasingly issue in China. At present, the pattern of the selling house for pension is proposed and the society pay attention on it. Based on the systematical analysis of present situation and financial environment in China, the paper demonstrates the feasibility of the selling house for pension： the reverse annuity mortgage, and gives several suggestions and forecasts as a reference for the future reverse annuity mortgage development.