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    题名: 反向房屋抵押貸款之應用-台灣實證分析
    The Application of Reverse Mortgage-Evidence from Taiwan
    作者: 林志銘
    Lin, Alex C. M.
    贡献者: 王儷玲
    Wang, Jennifer L.
    林志銘
    Lin, Alex C. M.
    关键词: 反向房屋抵押貸款
    所得替代率
    Reverse Mortgage
    日期: 2011
    上传时间: 2012-10-24 16:09:44 (UTC+8)
    摘要: 過去國外的實證研究結果指出，反向房屋抵押貸款確實可為老年屋主帶來顯著的所得提高效果，而本文主要探討台灣地區擁有自用住宅單身老人的生活型態，並藉由對房價的估計值，計算出老年屋主若利用反向房屋抵押貸款商品後預估可獲得的所得水準，以衡量反向房屋抵押貸款能為台灣的退休屋主帶來多少經濟上的挹注。研究結果顯示，反向房屋抵押貸款對獨居的老年屋主之所得替代率，平均提升效果約為40%至140%，確實能有效改善擁有自用住宅的老年人在退休期間的財務狀況。進一步比較不同世代，結果發現對40年代出生的退休屋主而言，藉由反向房屋抵押貸款來提升退休後的所得，其效果較其他世代的屋主更為顯著。
    The results of past empirical research indicate that the reverse mortgage can indeed bring a significant increase in income for elderly homeowners. This study mainly explored the lifestyle of the single elderly in Taiwan who had the house for own use, and used the estimates of house prices to calculate the estimated income level that the elderly homeowners would be at when they had purchased reverse mortgage products to measure how much economic benefit that the reverse mortgage could bring for the retired homeowners in Taiwan. The research results showed that the reverse mortgage had increased the income-replacement ratio by 40-140% averagely for the elderly homeowners living alone, effectively improving the financial situation of the elderly that had the house for own use during their retirement years. Further, the different generations were also compared, and the results found that using the reverse mortgage to increase the income at retirement showed a better effectiveness on those retired homeowners born in the 1940s than the homeowners of other generations.
    參考文獻: 中文部份
    1. 王儷玲, 王正偉與劉文彬 (2011), 「臺灣實施反向房屋抵押貸款對提升退休所得之影響」, 《風險管理學報》, 13(1)，25-48。
    2. 林祖嘉 (1992), 「台灣地區房租與房價關係之研究」, 《台灣銀行季刊》, 43(1)：279-312。
    3. 李文瑜 (2008), 《台灣發行反向房屋抵押貸款相關法律問題之研究》, 政治大學風險管理與保險學系碩士論文。
    4. 李如君 (1997), 《台北地區住宅租金水準之研究》, 政治大學地政研究所碩士論文。
    5. 游欣霓 (2007), 《以房養老制度在台灣實施的可行性研究》, 東吳大學國際貿易學系碩士論文。
    6. 彭建文與花敬群 (2001), 「住宅租買選擇行為之探討-住宅服務品質差異之影響」, 《台灣土地金融季刊》, 38(4), 89-107。
    7. 彭建文與張金鶚 (2000), 「預期景氣與宣告效果對房地產景氣之影響」, 《管理學報》, 17(2), 343-368。
    8. 曾建穎、張金鶚與花敬群 (2005), 「不同空間、時間住宅租金與其房價關聯性之研究—台北地區之實證現象分析」,《住宅學報》, 14(2), 27-49
    9. 詹維玲 (2009),「台灣生命循環消費與退休」，《台灣經濟預測與政策》, 39(1)，129-159。
    10. 鄭雅丰 (2007), 《提升老年經濟安全準備－反向房屋抵押貸款之應用》, 政治大學風險管理與保險學系碩士論文。

    英文部分
    1. Ando, Albert, and Franco Modigliani. 1963. The `life cycle` hypothesis of saving: Aggregate implications and tests. American Economic Review 53 (1):55.
    2. Banks, James, and Richard Blundell. 1998. Is There a Retirement-Savings Puzzle? American Economic Review 88 (4):769.
    3. B.E. Foote, 2007. CRS Report for Congress-Reverse Mortgages: Background and Issues. Congressional Research Service.
    4. Case, Bradford, and Ann B. Schnare. 1994. Preliminary Evaluation of the HECM Reverse Mortgage Program. Real Estate Economics 22 (2):301-346.
    5. Costa-Font, Joan, Joan Gil, and Oscar Mascarilla. 2010. Housing Wealth and Housing Decisions in Old Age: Sale and Reversion. Housing Studies 25 (3):375-395.
    6. Fratantoni, Michael. 1999. Reverse Mortgage Choices: A Theoretical and Empirical Analysis of the Borrowing Decisions of Elderly Homeowners. Journal of Housing Research 10 (2):189-208.
    7. Gourinchas, Pierre-Olivier, and Jonathan A. Parker. 2002. Consumption Over the Life Cycle. Econometrica 70 (1):47-89.
    8. Hamermesh, Daniel S. 1984. Consumption During Retirement: The Missing Link In The Life Cycle. Review of Economics & Statistics 66 (1):1.
    9. Jacobs, Bruce, and William Weissert. 1987. Using Home Equity To Finance Long-Term Care. Journal of Health Politics, Policy and Law 12 (1):77-96.
    10. Merrill, Sally R., Meryl Finkel, and Nandinee K. Kutty. 1994. Potential Beneficiaries from Reverse Mortgage Products for Elderly Homeowners: An Analysis of American Housing Survey Data. Real Estate Economics 22 (2):257-299.
    11. Mitchell, Olivia S., and John Piggott. 2004. Unlocking housing equity in Japan. Journal of the Japanese and International Economies 18 (4):466-505.
    12. Ong, Rachel. 2008. Unlocking Housing Equity Through Reverse Mortgages: The Case of Elderly Homeowners in Australia. International Journal of Housing Policy 8 (1):61-79.
    13. Rasmussen, David W., Isaac F. Megbolugbe, and Barbara A. Morgan. 1997. The reverse mortgage as an asset management tool. Housing Policy Debate 8 (1):173-194.
    14. Shiller, Robert J., and Allan N. Weiss. 2000. Moral Hazard in Home Equity Conversion. Real Estate Economics 28 (1):1-31.
    15. Szymanoski, Edward J. 1994. Risk and the Home Equity Conversion Mortgage. Real Estate Economics 22 (2):347-366.
    16. Tse, Y. K. 1995. Modelling reverse mortgages. Asia Pacific Journal of Management 12 (2):79-95.
    描述: 碩士
    國立政治大學
    經營管理碩士學程(EMBA)
    95932253
    100
    資料來源: http://thesis.lib.nccu.edu.tw/record/#G0095932253
    数据类型: thesis
    显示于类别:[經營管理碩士學程EMBA] 學位論文

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