黄奇帆：建议建立老年人房产倒按揭体系

Core Viewpoint - The establishment of a reverse mortgage system for the elderly is proposed to enhance their financial stability and supplement existing pension sources [1] Group 1: Economic Development - The eighth Hongqiao International Economic Forum focused on accelerating the development of the silver economy as a new economic growth driver [1] - The proposed reverse mortgage system could provide elderly individuals with a monthly income of several thousand yuan, creating a sustainable cash flow for their needs [1] Group 2: Legislative and Regulatory Framework - To ensure the compliance and safety of the reverse mortgage business, it is essential to strengthen legislative regulations and improve the regulatory framework [1] - Financial product design should take into account loan amounts, interest rate structures, repayment methods, and inheritance handling [1] Group 3: Risk Management and Transparency - There is a need for enhanced risk control measures and increased transparency in the operation and management of reverse mortgage services [1] - An effective dispute resolution mechanism should be established to address potential conflicts arising from the reverse mortgage system [1]