A：以房养老是有其可行性的。老人到了老年收入减少，如果住房既可以保留居住权，又可以让其发挥养老功效，是一举两得的好事。而且，我国消费信贷的发展可以为其提供经验。银行资金保证和金融市场的完善又保障了资金。最后，迅速发展的二手房市场为其创造了条件。
B：However, the bank and insurance company are the greatest beneficiaries in the program; it seems that they rub money from the old after their death.Although they paid as pension before, it’s not enough; they can receive the biggest benefit from the house and the land owing to the rapid increase of price.No other price in China can be higher than the price of house and land now.In this sense, they are vampires and liars, and it’s immoral.
A：总之，以房养老是一个社会问题，也有不足之处。这个还需要政府、学术界和金融机构等部门通力合作，早日设计出符合我国国情的养老政策。
B：I can’t agree more.Although it’s hard to adapt now, I believe that this new program will show up its absolute advantages one day.
