English  |  正體中文  |  简体中文  |  Post-Print筆數 : 27 |  Items with full text/Total items : 113656/144643 (79%)
Visitors : 51726499      Online Users : 665
RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.
Scope Tips:
  • please add "double quotation mark" for query phrases to get precise results
  • please goto advance search for comprehansive author search
    •  Adv. Search
    Home ‧ Login ‧ Upload ‧ Help ‧ About ‧ Administer Goto mobile version


    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/64438


    Title: 台灣實施反向房屋抵押貸款對提升退休所得之影響
    Other Titles: The Impacts of the Reverse Mortgage on Retirement Income in Taiwan
    Authors: 王儷玲;王正偉;劉文彬
    Jennifer L. Wang;Wang,Jeng-Wei;Liu,Wen-Pin
    Contributors: 風管系
    Keywords: 反向房屋抵押貸款;退休所得;本金限制因子
    Reverse Mortgage;Retirement Income;Principal Limit Factor Ratio
    Date: 2011-06
    Issue Date: 2014-03-04 17:05:57 (UTC+8)
    Abstract: 本研究以Szymanoski（1994）所提出的反向房屋抵押貸款保險定價模型為基礎，配合臺灣地區人口之死亡率、歷年平均房價報酬率與臺灣十年期政府公債利率等參數，計算臺灣高齡屋主可貸得金額與抵押房屋價值之比例－本金限制因子，再利用所得替代率來推估反向房屋抵押貸款可為臺灣銀髮屋主提升的退休生活所得水準，用以衡量反向房屋抵押貸款對借款人帶來的實質幫助。以我國的實證資料進行數值分析之結果顯示，反向房屋抵押貸款所帶來的所得替代率提升效果平均約為20%至80%，因此可望有效協助借款人度過退休期間的財務難關。
    The paper investigates the impacts of the reverse mortgage on retirement income for the aged people in Taiwan. We use the pricing model of reverse mortgage proposed by Szymanoski (1994) to calculate the Principal Limit Factor Ratio for the loan amount that can be borrowed from reverse mortgage. We then evaluate the possible increase of the retirement income for the aged people who utilize the reverse mortgage in Taiwan. The numerical results indicate that in average reverse mortgage can help the aged people in Taiwan to increase the retirement replacement ratios about 20% to 80%. Therefore, reverse mortgage can serve as an effective tool to cope with the financial problems for the retirement.
    Relation: 風險管理學報, 13(1), 25-48
    Data Type: article
    Appears in Collections:[風險管理與保險學系] 期刊論文

    Files in This Item:

    File Description SizeFormat
    2548.pdf360KbAdobe PDF21125View/Open


    All items in 政大典藏 are protected by copyright, with all rights reserved.


    社群 sharing

    著作權政策宣告 Copyright Announcement
    1.本網站之數位內容為國立政治大學所收錄之機構典藏，無償提供學術研究與公眾教育等公益性使用，惟仍請適度，合理使用本網站之內容，以尊重著作權人之權益。商業上之利用，則請先取得著作權人之授權。
    The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.

    2.本網站之製作，已盡力防止侵害著作權人之權益，如仍發現本網站之數位內容有侵害著作權人權益情事者，請權利人通知本網站維護人員(nccur@nccu.edu.tw)，維護人員將立即採取移除該數位著作等補救措施。
    NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.
    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library IR team Copyright ©   - Feedback