然后，从中国未来二十年的背景出发，根据反向抵押贷款的一笔支付和终生年金支付两种定价模型，分别研究65、75、85岁的老年人可以从中获得的贷款额。

Then, this paper respective studies the 65, 75 and 85 years old people can get how many cash from the RM base on the lump-sum and annuity options model in the next twenty years.

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然后重点讨论了我国住房反向抵押贷款组织模式和产品定价问题。

Then it focuses on discussing the organization mode of reverse mortgage in China and the pricing problem.

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本文的主要研究成果就是在随机利率下对反向抵押贷款进行了定价，并且对多生命的情况进行了讨论。

The main results of this study is under stochastic interest rate reverse mortgages were priced, and the situation on many lives were discussed.

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