老年經濟安全保障、理財知識與逆向抵押貸款意願之研究

The Influence of Old-Age Income Security and Financial Literacy on Willingness to Apply Reverse Mortgage: The Moderating Effects of Involvement

林隆儀(Long-Yi Lin)；商懿勻(Yi-Yun Shang)

老年經濟安全保障 ； 逆向抵押貸款 ； 理財知識 ； 涉入 ； Old-Age Income Security ； Financial Literacy ； Reverse Mortgage ； Involvement

輔仁管理評論

22卷2期（2015 / 05 / 01）

65 - 93

繁體中文

近年來台灣人口結構已邁入高齡化，老年經濟安全保障相關議題逐漸受到重視。本研究探討老年經濟安全保障與理財知識對逆向抵押貸款借款意願的影響。以大台北地區土地銀行擁有房屋的客戶為研究對象，採便利抽樣方式進行問卷調查。研究結果顯示：（1）老年經濟安全保障對逆向抵押貸款借款意願有顯著的影響；（2）理財知識對逆向抵押貸款借款意願有顯著的影響；（3）老年經濟安全保障與理財知識的交互作用對逆向抵押貸款借款意願有顯著的影響；（4）涉入在老年經濟安全保障對逆向抵押貸款借款意願影響有顯著的干擾效果；（5）涉入在理財知識對逆向抵押貸款借款意願影響有顯著的干擾效果；（6）涉入在老年經濟安全保障與理財知識的交互作用對逆向抵押貸款借款意願影響有顯著的干擾效果。並提出相關的管理意涵及後續研究的方向。

In recent years, Taiwan has entered the aging demographic, economic security issues related to the elderly gradually at tent ion. The object of this research is to explore the influence of old -age income security and financial literacy on willingness to apply reverse mortgage. The research results were list as follow: (1) Old-age income security has a significantly positive influence on willingness to apply reverse mortgage. (2) Financial literacy has a significantly positive influence on willingness to apply reverse mortgage. (3) The interact ions of old-age income security and financial literacy have a significantly positive influence on willingness to apply reverse mortgage. (4) The involvement has a significant moderating effect between the influences of old-age income security on willingness to apply reverse mortgage. (5) The involvement has a significant moderating effect between the influences of financial literacy on willingness to apply reverse mortgage. (6) The involvement has a significant moderating effect between the influence of the interact ions of old-age income security and financial literacy on willingness to apply reverse mortgage, and proposed management implications and future research directions

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