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    题名: 提升老年經濟安全準備-反向房屋抵押貸款之應用
    作者: 鄭雅丰
    贡献者: 黃泓智
    鄭雅丰
    关键词: 反向房屋抵押貸款
    高齡社會
    老年經濟安全準備
    房屋轉換計畫
    日期: 2007
    上传时间: 2009-09-18
    摘要: 高齡社會下，是否能夠準備足夠的退休金是每個人都很關心的重要議題。本研究探討反向房屋抵押貸款(Reverse Mortgages)在提升老年經濟安全準備之應用。以美英澳三國之反向房屋抵押貸款商品之形式為基礎，分析發行機構與消費者之風險，建立反向房屋抵押貸款之基本定價模型，模擬保險人和發行機構之損失分佈並作敏感度分析，最後提出反向房屋抵押貸款在提升老年經濟安全準備議題上之應用策略，期望本研究結果可為台灣高齡社會之經濟問題提供新的思考方向。
    參考文獻: Allen, J., R. Amano, D. P. Byrne and A. W. Gregory (2007), “Canadian City Housing Prices and Urban Market Segmentation,” Bank of Canada Working Paper, Available from URL: http://dsp-psd.pwgsc.gc.ca/Collection/FB3-2-106-49E.pdf.
    Arslan, Y. and B. Guler (2006), “Housing Prices and Interest Rates: A Theoretical Analysis,” Unpublished Ph. D. Dissertation, Department of Economic, Rochester U.
    Berg, N., A. Y. Gu and D. Lien (2007), “Dynamic Correlation: A Tool for Hedging House Price Risk?” Journal of Real Estate Portfolio Management, Vol. 13, 18-28.
    Boehm, T. P. and M. C. Ehrhardt (1994), “Reverse Mortgages an Interest Rate Risk,” Journal of the American Real Estate and Urban Economics Association, Vol.22, 387-408.
    Caplin, A. (2000), “The Reverse Mortgage Market: Problems and Prospects,” forthcoming in Olivia Mitchell ed., Pension Research Council, Philadelphia, PA.
    Davidoff, T. and G. Welke (2005), “Selection and Moral Hazard in the Reverse Mortgage Market,” Unpublished Ph. D. Dissertation, Haas School of Business, UC Berkeley.
    DiVenti, T. R. and T. N. Herzog (1990), “Modeling Home Equity Conversion Mortgages,” Actuarial Research Clearing House, Vol. 2.
    Eschtruth, A. D., W. Sun and A. Webb (2006), “Will Reverse Mortgages Rescue the Baby Boomers?” Center for Retirement Research at Boston College.
    FSA Factsheet (2007), “Raising Money from Your Home,” Available from URL: http://www.moneymadeclear.fsa.gov.uk/pdfs/raise_home.pdf.
    Gau, G. W. (1987), “Efficient Real Estimate Markets: Paradox or Paradigm?” Journal of the American Real Estate and Urban Economics Association, Vol.15, 1-12.
    Rodda, D. T., K. Lam and A. Youn (2004), “Stochastic Modeling of Federal Housing Administration Home Equity Conversion Mortgages with Low-Cost-Refinancing,” Real Estate Economics, Vol. 32, 589-617.
    Stucki, B. R. (2006), “Using Reverse Mortgages to Manage the Financial Risk of Long Term Care,” North American Actuarial Journal.
    Szymanoski, E. J. Jr. (1994), “Risk and the Home Equity Conversion Mortgage,” Journal of the American Real Estate and Urban Economics Association, Vol. 22, 347-366.
    Sutton, G. D. (2002), “Explaining Changes in House Prices,” BIS Quarterly Review, September, 46-55.
    Tsatsaronis K. and H. Zhu (2004), “What Drives Housing Price Dynamics: Crosscountry Evidence,” BIS Quarterly Review, March, 65–78.
    Venti, S. F. and D. A. Wise (2001), “Aging and Housing Equity: Another Look,” NBER Working Paper No.8608, November Press.
    Zhu, H. (2006), “The Structure of Housing Finance Markets and House Prices in Asia,” BIS Quarterly Review, December, 55-69.
    阮玉梅、高淑芬、李怡娟、賈淑麗、李明德等(1999)，《長期照護概論》，台北：華杏，4-27，36-62，281-297。
    陳雙卯(2002)，「海外指數連動債券之設計、評價與避險分析」，中山大學財務管理學系碩士論文。
    吳淑瓊、王正、林萬億、吳玉琴、王榮璋(2001)，「建構長期照護體系先導計畫-第一年計畫」，內政部委託研究報告。
    鄭文輝、沈淑芳(1995)，「老人扶養機構收費標準之研究」內政部委託研究報告。
    鄭麗珍、黃泓智(2005)，「高齡化社會之老人經濟安全」，行政院國家科學委員會委託研究報告。
    http://www.moneymadeclear.fsa.gov.uk/products_explained/types_of_equity_release.html
    http://www.seniorsfinance.com.au/
    http://www.fsa.gov.uk/
    http://www.wgs.co.uk/services/equity.htm
    描述: 碩士
    國立政治大學
    風險管理與保險研究所
    94358008
    96
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0094358008
    数据类型: thesis
    显示于类别:[風險管理與保險學系] 學位論文

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