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Title: 我國傳統型與創新型以房養老政策之研究
Other Titles: A Study on the Traditional and Innovative Reverse Mortgage Policies in Taiwan
Authors: 謝明振;薛淞林;謝明瑞
Hsieh, Ming-cheng;Hsuen, Sung-lin;Hsieh, Ming-jui
Contributors: 國立政治大學邁向頂尖大學計畫創新研究團隊
Date: 2016
Issue Date: 2017-06-19 17:42:23 (UTC+8)
Abstract: 2013年,政府為因應社會日愈嚴重的人口結構之老化與少子化問題,開始試辦公益型以房養老政策或逆向抵押貸款業務,唯因其申請條件相對嚴苛而成效不彰,試辦期間少有成功的案例。此一問題若不能解決,影響老年人的權益甚巨。本研究主要目的在探討傳統型與創新型以房養老政策的差異,採用個案研究法,如合庫銀行從凡是投資必須有利潤之經濟因素考量,引進商業型以房養老貸款業務,大幅放寬貸款人條件,希望透過商業型的以房養老政策,能讓老年生活可以獲得保障,同時達到創造市場的需求。又如台灣企銀與台灣人壽合作,推出含有「信託機制」的以房養老貸款,強調借款人若不幸失能或房屋倒塌,甚或參與都更,都會「保證給付」,確保參與以房養老之規劃者,皆能順利拿到養老費用。本研究發現此種創新式的以房養老政策引進以後,無論是產品內容、撥付方式、保證給付、貸款年限、給付方式、信託機制等,雖與傳統的以房養老政策大同小異,但其創新式做法頗受消費者的青倈,參與人數亦大幅増加。台灣社會將進入高齡社會,且2025年將進入超高齡社會,如何讓老人一方面可以有拒絶當「下流老人」的權利,一方面當面臨無法滿足公益型以房養老政策所需條件時,可以選擇創新式的商業型以房養老,或參與養生村的養老計劃,對於國內老人福利與照護的未來規劃十分重要。In order to solve the increasing serious problems of population structure change such as aging and less child In 2013, the Government began to promote the public reverse mortgage policy, but the practice was ineffective owing to the application conditions were unsuitable, and few success cases during the practice period. However, if this kind of problem cannot be solved early, it affect the benefits of older people. This study try to know how the difference between the traditional and creative reverse mortgage policies, and the methodology was used by the case study, such as the Taiwan Cooperative Bank considered to the economic condition such as the factors of investment and profits, and introduce to the commercial reverse mortgage with housing loan business in November 2015, it relax the loan conditions, hopefully through commercial type of the reverse mortgage with housing policies, and the elderly people can be protected and meet market needs simultaneously. Besides that, Taiwan Business Bank and Taiwan Life Insurance cooperative each other and opened to the creative policy with "trust system" of the reverse mortgage on the housing loans in February 2016, It emphasizes the disability of the borrower or collapsed houses, or even participate in house renewal, it were "guaranteed payments" to ensure that participation in pension schemes can get pension successfully.
Relation: 2016創新研究國際學術研討會: 以人為本的在地創新之跨領域與跨界的對話 2016 International conference on innovation studies- human-centered indigenous innovation: trans-disciplinary dialogue
Data Type: conference
Appears in Collections:[2016創新研究國際學術研討會] 會議論文

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