探討商業型以房養老貸款的成功因素

Exploring the success factors of commercial reverse mortgage

10.6495/CIMBM.201806.0028

林士棋(Shih-Chi Lin)；王超弘(Chau-Hung Wang)

商業型以房養老貸款 ； 公益型以房養老貸款 ； Commercial reverse mortgage ； Charity reverse mortgage

科際整合管理研討會

2018第20屆（2018 / 08 / 01）

404 - 417

繁體中文

自104年起多家銀行陸續推出改良型的「商業型以房養老貸款」，希望能透過金融業的參與以及不同特色的產品包裝，打破先前政府推出「公益型以房養老方案」的政策局限，來吸引潛在臺灣高齡之需求者，以提升申請的意願。本研究蒐集歸納國內以房養老相關文獻，比較臺灣已經實施之公益型以房養老及後續銀行業推出商業型以房養老相關貸款條件，運用問卷調查、敘述性統計分析、變異數分析、迴歸分析及路徑分析等方法，來找尋會影響申請人願意申請之關鍵因素。迴歸分析研究結果顯示，申請以房養老貸款的意願主要會受申請人的需求及政府政策影響，至於銀行貸款條件因素則不會影響申請意願，但由路徑分析得知，若銀行貸款條件先能考慮申請人的需求及政府政策，將會影響貸款的意願。

In order to break the limits of former charity reverse mortgage policy, improved ＂commercial reverse mortgage＂ has been provided by many banks to attract potential customers via their participation and diversify products since 2015. The study was to focus on the induction of domestic reverse mortgage literature and loan clause comparison between charity reverse mortgage and commercial reverse mortgage. Descriptive statistics, analysis of variance, regression analysis, and path analysis were applied for the 5-point Likert Scale to examine the key factor of applicant willingness. The results of the regression analysis showed that applicant demand and complementary measures of government were the main factors of the applicant willingness, but loan clause has no effect. Base on the path analysis result, otherwise, loan clause has effect if applicant demand and complementary measures of government were involved in the loan clause.