金融業促進危險老舊建築重建推動之研究 - 以玉山銀行為例

臺灣發展都市更新經驗累計20餘年，長期以日本的都更經驗為參考依據，但從國內的行政程序規劃、國人對都市更新的認知、權益變換價值觀念及有土斯有財的不動產傳承習性，與日本民情仍有顯著差異。自2017年推出都市危險及老舊建築物加速重建條之後，顯著成為都市更新的快速通關列車，期間積累的實施經驗以及都更範圍的不同意戶之爭議處理，均促成2019年都更條例第九次修正的重要憑藉，與此同時，藉由法規鬆綁，擴大民間團體、金融機構加入，保障民眾權益，以響應政府政策。本研究主要在探討，自都市更新第九次修法完成後的整體外部環境和產業條件，是否有助於金融機構依其產業屬性及本身優勢，更積極投入推動危老都更事業，透過PEST模型分析，證實法規修訂後的外部環境條件，更有利於金融業加入，提供參與都更民眾多一個取得興建資金的管道，破除民眾因為不夠熟悉相關法令而怯步參與都更的困境，從整體規劃、財務評估到營建公司的引薦，依其公正第三方的角色，提供全方位諮詢服務，發揮都更金融的資金融通及信託機制，協助民眾完成重建計畫，強化都市居住安全、打造樂利社會，同時可成為金融機構實踐企業社會責任的具體方案。金融業推動都更危老之動機雖建立在追求獲利及創造股東價值構面，如能發揮健全金融制度的資金導流作用，盤點、整合、修正既有策略和資源，結合都市發展整體生態系的依存關係，攜手政府、企業、民眾、非營利團體及顧問團隊等利害關係人，將更切合ESG精神對環境永續、社會共好和公司治理三個層面的行動，可望為投資人、企業以及社會創造多贏價值。

關鍵字

PEST ；都市更新；危老條例；都更金融； ESG ；企業社會責任

並列摘要

Over 20 years, urban reconstruction in Taiwan was based on Japan’s experience. However, conditions differed from country to country. For example, administrative procedures, the cognition of Urban renewal, the property right exchange and the custom with real estate as important property. The Statute for Expediting Reconstruction of Urban Unsafe and Old Buildings enacted in 2017, facilitated urban reconstruction implementation in Taiwan. Controversy cases during the implementation stage led to the 9th amendment of the Urban Renewal Act, which contributed to the board participation of private sector institutions and financial industry in this regard. This research reviewed Taiwan’s urban renewal policy and the Urban Renewal Act by PEST Analysis and discussed that how the financial industry implemented urban renewal business. This research found out that the influences of the 9th amendment of Urban Renewal Act is really beneficial to the financial industry to implement urban renewal business and earns a good reputation as the same time. To keep enhancing the unsafe and old buildings reconstruction within the area of urban planning, it’s the government’s responsibility to improve people’s living environment and living conditions in response to nature disaster risks. Meanwhile, running the urban renewal business in accord with spirit of corporate social responsibility for the financial industry.