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－涉入的干擾效果

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)；林聖薇(Sheng-Wei Lin)；商懿勻(Yi-Yun Shang)；林國森(Vincent Lin)

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

聯大學報

12卷1期（2015 / 06 / 01）

159 - 177

繁體中文

本研究旨在探討台灣在高自有住宅率情形下，實施逆向抵押貸款對保障老年經濟安全的相關問題。以大台北地區土地銀行擁有房屋所有權的客戶為研究對象，採用便利抽樣方式進行問卷調查，共發出450份問卷，回收有效問卷410份，有效問卷回收率91.1%。採用迴歸分析檢定研究假說，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正向影響；（2）理財知識對逆向抵押貸款借款意願有顯著的正向影響；（3）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；（4）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。

The objective of this research is to explore the related problems of reverse mortgage and old-age income security under high ownership rate of house in Taiwan. The convenience sampling method was used to collect the preliminary data from own-house customers of Land Bank of Taipei city and New Taipei city. A total of 450 questionnaires were distributed, 410 valid questionnaires were collected, comprising the validity response rate of 91.1%. Regression analysis was used to test the hypotheses. 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 involvement has a significant moderating effect between the influences of old-age income security on willingness to apply reverse mortgage. (4) The involvement has a significant moderating effect between the influences of financial literacy on willingness to apply reverse mortgage.

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