Research on the Realistic Dilemma and Optimization Path of the House-for-pension Model

Under the double pressure of accelerating population aging and expanding pension gap, house-based pension, as an innovative pension financial tool, has become an important exploration of supplementary pension security system. This paper analyzes the operation status quo of China's house-based pension pilot project, reveals the core contradictions it faces, such as lagging policies and regulations, low market acceptance, and insufficient risk control, and puts forward systematic solutions such as constructing a multi-dimensional policy support system, perfecting the market operation mechanism, and strengthening the risk prevention and control, so as to provide theoretical support for a sound multi-level pension security system.