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    Title: 銀行聚集與不動產價格之關係-以台北市辦公商圈為例
    The relationship between cluster of banks and real estate price: Evidence from the office district in Taipei City
    Authors: 王群猛
    Contributors: 陳奉瑤
    王群猛
    Keywords: 銀行聚集
    商業聚集
    特徵價格模型
    辦公室價格
    Date: 2013
    Issue Date: 2014-07-14 11:36:19 (UTC+8)
    Abstract: 估價實務對於價格形成之主要因素分析,區域因素必須分析近鄰地區之公共設施概況,個別因素則要考慮公共設施之便利性,前者可以運用不動產與公共設施之距離予以客觀衡量,致於設施概況,則以定性分析為主。比較法是常被用來估計不動產價格的方法,在調整區域因素的項目時,對於勘估標的所在區域內的商業聚集程度是重要的考量因素,然而「商業聚集」不易界定,對於商業設施之種類、規模、聚集程度等之狀態,即便運用計量模型分析法,對於區域內之商業聚集這類不易量化之區域因素,仍不易分析。
    都市中經常見到銀行的設立,而其分支機構之設立係由各銀行間獨立之經濟活動所決定,致使其具有其他公共設施未有之聚集特性,銀行提供金融服務,為商業活動不可或缺的一環,而各銀行選擇分行的設立區位時,受競相爭取市場的影響下,致銀行之聚集相當明顯,使其聚集現象或可作為商業聚集的替代指標;然而辦公用不動產與住宅用不動產的所有者,對於金融服務的需求應有所不同,從而銀行聚集程度與辦公室及住宅兩者間的價格應有不同程度之關係。本研究除試圖找出距銀行距離與不動產價格間之關係及商業聚集的有效替代指標外,亦嘗試以銀行聚集的量化分析方法補強區域因素分析時主觀的定性描述,提供後續研究方法之參考。
    本研究實證,辦公用不動產在距銀行服務影響範圍50公尺內,其價格為顯著負向相關,而在住宅用不動產在距銀行服務影響範圍200公尺內,亦為顯著負向相關。故不動產離銀行越近,其單價越高,惟辦公用不動產的增加幅度大於住宅用不動產;而銀行聚集程度與鄰近不動產價格間的關係,則得到正向且顯著的結果。顯示在銀行服務範圍影響下,金融服務之便利性對於不動產的價格亦有明顯的正向關係,惟對住宅之影響低於對辦公用不動產價格之影響。故不動產鄰近銀行之聚集度得以反映該區域的價格關係,亦即銀行聚集度高的區域,不動產價格高於銀行聚集度低的區域,銀行聚集程度可為商業聚集之有效指標。
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    Description: 碩士
    國立政治大學
    地政學系碩士在職專班
    99923009
    102
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0099923009
    Data Type: thesis
    Appears in Collections:[地政學系] 學位論文

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