| dc.contributor.advisor | 林左裕<br>黃泓智 | zh_TW |
| dc.contributor.advisor | Lin,Tsoyu Calvin<br>Huang, Hong-Chih | en_US |
| dc.contributor.author (作者) | 楊博翔 | zh_TW |
| dc.contributor.author (作者) | Yang, Po-Hsiang | en_US |
| dc.creator (作者) | 楊博翔 | zh_TW |
| dc.creator (作者) | Yang, Po-Hsiang | en_US |
| dc.date (日期) | 2008 | en_US |
| dc.date.accessioned | 9-十二月-2010 16:48:46 (UTC+8) | - |
| dc.date.available | 9-十二月-2010 16:48:46 (UTC+8) | - |
| dc.date.issued (上傳時間) | 9-十二月-2010 16:48:46 (UTC+8) | - |
| dc.identifier (其他 識別碼) | G0096257022 | en_US |
| dc.identifier.uri (URI) | http://nccur.lib.nccu.edu.tw/handle/140.119/50040 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 地政研究所 | zh_TW |
| dc.description (描述) | 96257022 | zh_TW |
| dc.description (描述) | 97 | zh_TW |
| dc.description.abstract (摘要) | 近年來隨著台灣人口日漸少子化，「養兒防老」的傳統觀念已不符時勢所趨，面對高齡化社會所帶來龐大的財政負擔及老年人口安養等社會問題。過去研究結果提供了一可能的解決方案－「逆向房屋抵押貸款（Reverse Mortgage, RM）」，然而，對於此種新型貸款在台灣推行之完整可行性分析，相關研究尚付之闕如。是故，本研究從承貸雙方角度出發，旨在深入探討未來逆向房屋抵押貸款在台推行之可行性。首先，對於申貸者而言，本研究以30至60歲且名下擁有不動產之家戶為研究單位，並用問卷調查台灣中年房屋持有者申請逆向房屋抵押貸款之意願程度。針對調查結果，再以「羅吉斯迴歸（Logistic Regression）」分析影響申請意願之顯著因子，據以探討申請意願與受訪者特性兩者之關係。其次，從承貸者角度建立一貸款定價模型，模擬分析於損益兩平條件下，貸款機構有無貸款保險，以及於不同貸款給付方案中，其可提供逆向房屋抵押貸款之最高可貸款成數（Loan to Value, LTV）。再者，進一步結合台灣各主要都會區房價資料，研究顯示所得替代率（Income Replacement Ratio, IRR-RM）符合多數申貸者之基本需求。本研究預期「逆向房屋抵押貸款」除了有效解決人口老化所衍生之社會問題外，亦兼具政府「就地老化（Aging in Place）」政策效益，提升了老年生活品質，維護老年人口的尊嚴。 | zh_TW |
| dc.description.abstract (摘要) | With the continuously declining fertility rates and the increasing life expectancy, Taiwan has become one of the aging societies in the world. To release the financial strain of the government, a great number of literature has suggested an alternative option, Reverse Mortgage (RM), to improve the retiring life quality of the elders. However, little attention has been given specifically to the feasibility of the application of RM and the pricing model in individual countries. This study thus conducted the questionnaire and collected the data in Taiwan for analysis in order to show the implementation feasibility of RM in aging society for both the aspects of both lenders and borrowers.First of all, to find out the factors affecting the willingness in applying for RM and the characteristic of the middle-aged homeowners, we designed a survey and a quantitative analysis of the questionnaire through Logistic Regression Analysis.Second, under a break-even hypothesis, we analyzed the ratio of Loan to Value (LTV) a reverse mortgage lender would offer through the simulation model. Furthermore, the housing data from different metropolises of Taiwan is integrated into the study in order to determine whether if the Income Replacement Ratio of RM (IRR-RM) could meet the basic needs of Taiwanese.Results found in this paper suggest that RM could satisfy the general need of people in Taiwan. Procedures conducted in this study may also provide precious insight for other aging countries. This paper suggests that reverse mortgage could not only solve the society issues, but also secure the retiring lives of the elders and preserve their living qualities. | en_US |
| dc.description.tableofcontents | Chapter 1 Introduction 1.1 General Background 1.2 Research Purpose 1.3 Research Overview Chapter 2 Literature Review 2.1 The Concept of the Reverse Mortgage 2.2 Review the Reverse Mortgage 2.3 Risk Assessment and Premium Pricing 2.4 Potential Market and the Feature of Borrowers 2.5 Summary Chapter 3 Research Method 3.1 Framework 3.2 Method 1: Questionnaire 3.3 Method 2: Binary Logistic Regression Model 3.4 Method 3: Reverse Mortgage Pricing Model Chapter 4 Empirical Results - on the aspect of borrowers 4.1 Descriptive Statistics 4.2 Model Test 4.3 Empirical Findings 4.4 Summary Chapter 5 Empirical Results - on the aspect of lenders 5.1 Results with Insurance Program 5.2 Results without Insurance Program 5.3 Sensitivity Analysis Chapter 6 Conclusions and Discussion 6.1 Conclusions 6.2 Policy Implications 6.3 Limitations 6.4 Recommendations for Further Research Appendix 1 Appendix 2 Appendix 3 Appendix 4 Appendix 5 Appendix 6 Appendix 7 Appendix 8 References | zh_TW |
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| dc.language.iso | en_US | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0096257022 | en_US |
| dc.subject (關鍵詞) | 逆向房屋抵押貸款 | zh_TW |
| dc.subject (關鍵詞) | 羅吉斯迴歸 | zh_TW |
| dc.subject (關鍵詞) | 模擬分析 | zh_TW |
| dc.subject (關鍵詞) | 貸款成數 | zh_TW |
| dc.subject (關鍵詞) | 所得替代率 | zh_TW |
| dc.subject (關鍵詞) | Reverse Mortgage | en_US |
| dc.subject (關鍵詞) | Logistic Regression | en_US |
| dc.subject (關鍵詞) | Simulation Analysis | en_US |
| dc.subject (關鍵詞) | Loan to Value | en_US |
| dc.subject (關鍵詞) | Income Replacement Ratio (IRR_RM) | en_US |
| dc.title (題名) | 點「屋」成金不是夢！—逆向房屋抵押貸款在台推行之可行性研究 | zh_TW |
| dc.title (題名) | It is time to reverse!—the feasibility study of the application of the reverse mortgage in Taiwan | en_US |
| dc.type (資料類型) | thesis | en |
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