台灣逆向抵押貸款之探討

A Study on the Reverse Mortgage Loan in Taiwan

曾重豪(Chung-Hao Tseng)

指導教授 ： 謝明瑞

共同指導教授 ： 李命志

淡江大學/商管學院/財務金融學系碩士班/碩士(2017年)

https://doi.org/10.6846/TKU.2017.00729

摘要

2000年以後，由於臺灣人口老化與少子化的問題日愈嚴重，使我國面臨極大的養老及老年照護問題，由內政部規劃試辦的以房養老政策或逆向抵押貸款業務，因申請條件相對嚴苛，成效不彰，試辦期間成功的案例極少。但以房養老之業務是政府在高齡化社會中一項極為重要的政策，國內有許多老人擁有不動產，但卻每日為生活費擔憂的案例，也突顯了國內社會普遍存在「房產富人，現金窮人」的奇怪現象。本研究根據國外的以房養老之實施保險模式，探討由內政部試辦的逆向抵押貸款與銀行創新型的以房養老政策之差異，採用文獻分析法，了解政府最初的逆向抵押貸款政策為何會以失敗收場，以及目前各銀行相繼推動的新版逆向抵押貸款為何能成功吸引老年人申辦。其優缺點為何?以作為政府施政之參考。
台灣即將邁入高齡化社會，甚至是超高齡社會，政府該如何因應對於老年人照護所衍生出的問題，讓老年人可以維持一定的生活品質，不淪落為下流老人，是政府及國人必須面臨的課題。

關鍵字

以房養老 ； 逆向抵押貸款 ； 高齡化社會

並列摘要

After 2000, due to the aging population and low birth rate in Taiwan is becoming ever more serious problem, the Taiwan face great problems in elderly care and pension. The Ministry of the Interior plan to try the reverse mortgage business, due to the relatively stringent application conditions lead to poor results, the trial period of successful cases very few. But the business of housing is the government in the aging society in a very important policy, there are many elderly people have real estate, but the daily living expenses worry about the case. In this study, according to the implementation of overseas housing security model, to explore the Ministry of the Interior to try the reverse mortgage loans and bank innovation to the housing pension policy differences.I use literature analysis. To understand why the government's initial reverse mortgage will fail, and why the new banks have pushed the new reverse mortgage loans to succeed in attracting the elderly bid. What are its advantages and disadvantages? As a reference for government governance.
Taiwan is about to enter an aged society, and even the ultra-senior society, the Government how to respond to the elderly care for the issue, so that the elderly can maintain a certain quality of life, is the government and people must face.

並列關鍵字

Housing Endowment Mode ； Reverse Mortgages ； an aged society

參考文獻

王建民(2012)，逆向抵押貸款-以房養老政策的問題及對策，財團法人國家政策研究基金會。

林左裕、楊博翔(2011)，逆向房屋抵押貸款在臺灣推行之需求分析，住宅學報，第二十卷第一期，頁109~125。

林俊哲(2011)，我國實施反向抵押貸款可行性之研究，淡江大學保險學系保險經營碩士在職專班碩士論文。

林祖嘉(2009)，以房養老，臺灣行不行?，財團法人國家政策研究基金會。

陳美雲(2011)，台灣以房養老制度之可行性研究，清華大學科技管理學院高階經營管理碩士在職專班碩士論文。