台灣高齡人口持續增加，人口老化的現象變成長期存在的事實，內政部自 2012 年 11 月起試辦「以房養老」計畫，故本研究目的為了解國人對「以房養老」的認知現況、差異性和彼此之間的影響性。 本研究採用問卷調查方式進行，透過計畫行為理論瞭解國人對於「以房養 老」的看法，於 2017 年 2 月 1 日至 2 月 25 日，地點於苗栗頭份、竹南地區的社區大樓，對於不特定社區名眾進行問卷發放，共發放 500 份問卷，其有效問卷數為 466 份，研究結果如下所示： 1. 不同性別、年齡、教育程度、婚姻狀況、工作年資及個人平均月收入分 別對於「以房養老」各層面具有部分的顯著差異。 2. 「行為信念與結果評估」越高，其預測的「態度」也會越高。 3. 「規範信念與順從動機」越高，其預測的「主觀規範」也會越高。 4. 「態度」、「行為控制知覺」越高，其預測的「行為意圖」也會越高。 本研究針對以房養老抵押貸款提出建議為評估申辦者不同背景變項，提出 最適方案及有效宣傳申辦以房養老抵押貸款的正向案例。;Elderly population in Taiwan continues to increase, the phenomenon of population aging has become a long-standing fact. The Ministry of the Interior try to hold "housing pension" plan since November 2012. As a result, the purpose of this study is to understand people′s awareness of this project, as well as the influence and impact between each other. This study was conducted by questionnaires . Through the theory of plan behavior, the questionnaire was published on February 1 to February 25, 2017, and the number of valid questionnaires was 466. The results of the study were as follows: 1. There are some significant differences in gender, age, educational level, marital status, working year and individual average monthly income for each level of " housing pension ". 2. The higher the "behavioral beliefs and results evaluations" is, the higher the "attitude" that is predicted. 3. The higher the "normative beliefs and compliance motives" is, the higher the "subjective norms" it predicts. 4. The higher the "attitude" and "behavioral control perception" are, the higher the "behavioral intention" it predicts. In this study, we propose a proposal to evaluate the different background variables of the sponsor and propose a suitable case for the promotion of mortgage cases.
Keywords: Housing pension, The theory of plan behavior.
