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    Please use this identifier to cite or link to this item: http://ir.lib.ncu.edu.tw/handle/987654321/74833

    Title: 以房養老貸款政策-由台灣金融業之觀點論析;Reverse Mortgage Policy– From the Perspective of Taiwan Financial Industry
    Authors: 黃惠敏;Huang, Hui-min
    Contributors: 會計研究所企業資源規劃會計碩士在職專班
    Keywords: 以房養老;逆向抵押貸款;退休理財;新金融商品
    Date: 2017-07-05
    Issue Date: 2017-10-27 16:08:13 (UTC+8)
    Publisher: 國立中央大學
    Abstract: 俗稱「以房養老」的逆向抵押貸款對金融業而言是一種新型態的房屋抵押貸款。本研究參考相關文獻探討美國、英國、澳洲、新加坡、中國和日本作法,希望可以找出符合臺灣民情的方法。另一方面臺灣目前貸款政策偏向由金融機構自行設計規劃,但政府方面卻未加以限制或是監管,這對借款人和金融機構都缺乏一定程度的保障,而監管體系的制定因涉及法律層面,本文暫不納入討論。
    ;「Reverse Mortgage」is a new type of mortgage in financial industry currently. This study utilized the relevant literature of the United States, Britain, Australia, Singapore, China and Japan, hoping to find a proposal to meet Taiwanese culture.On the other hand, Taiwanese financial institutions design「Reverse Mortgage」by themselves, but Taiwan government doesn’t restrict or supervise on it. Which means both borrowers and financial institutions are lack of protection. The development of regulatory system is involved in legal aspect, which is not covered by this paper.
    This study aims to find a new position for financial industry in the elder economy. When bank is a fund supplier, risk of uncertain value of the collateral endangers the financial institutions. When financial industry plays the role of a mediator, the risk of the borrower′s loan will be transferred to the insurance company, but financial industry still has to worry about the maintenance of the collateral. When financial industry is the buyer of option, the seller can still live in the original house until the end of their life or the end of the contract. In the meantime, financial industry benefits social welfare as well. When the scale of loan has grown large enough, financial industry could be the supplier of real estate market. Through the issuance of asset securitization, they can ensure the liquidity of cash flow.
    This study considers that financial institutions should take advantage of the chance of elder retirement in the future, keep developing financial products which are closer to economic needs of person and society. Figure out their own blue ocean strategy. Prevent from submerged in this fast-moving world trend.
    Appears in Collections:[企業資源規劃(ERP)會計碩士在職專班] 博碩士論文

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