题名

反向房屋抵抽貸款的影響因素之研究

并列篇名

A Study on Factors that Influence Reverse Mortgage Loans

作者

張幸惠(Hsin-Hue Chang)；姚名麗(Min-Li Yao)；嚴秀容(Hsiu-Jung Yen)

关键词

反向房屋抵押貸款 ； 行為意圖 ； 探索性因素分析 ； Reverse Mortgage Loans ； Behavioral Intention ； Exploratory Factor Analysis

期刊名称

輔仁管理評論

卷期/出版年月

22卷2期（2015 / 05 / 01）

页次

95 - 114

内容语文

繁體中文
中文摘要

本研究的主要目的在探討影響消費者接受反向貸款的因素。以問卷調查取得量化資料，本研究採用探索性因素分析萃取影響反向貸款的因素，結果共萃取四個因素：財務成本、生活保障、社會福利與房產價值觀，解釋變異為72.31%。變異數分析結果顯示，人口統計變數在社會福利上有顯著的差異性。另外，迴歸分析結果顯示，四個因素都正向顯著地影響行為意圖；房產價值觀是最重要的影響因素，但人口統計變數則否，而感性分析結果仍維持不變。
英文摘要

The aim of this study is to investigate factors that influence reverse mortgage loans. This study used a questionnaire survey to obtain quantitative data and employed an exploratory factor analysis (EFA) to extract factors influencing reverse mortgage loans. Results obtained four factors: financial cost, life assurance, social welfare, and house value, and total explained variance was 72.31%. This study found that demographic variables show significant differences in social welfare by using the ANOVA test. In addition, this study found that all four factors significantly and positively influence behavioral intent ion on reverse mortgage loan by using the regression analysis. House value was the most significant factor that influences behavioral intent ion on reverse mortgage loan, while the demographic variables did not. Furthermore, the robustness test still supported the results.
主题分类 社會科學 > 管理學
参考文献
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