Social Network Analysis on Stakeholders of Reverse Mortgage System

• Main Authors: Wan-Lin Hsiao, 蕭琬玲
• Other Authors: Chien-Yuan Lin
• Format: Others
• Language: zh-TW
• Published: 2011
• Online Access: http://ndltd.ncl.edu.tw/handle/28591903055269900247

碩士 === 國立臺灣大學 === 建築與城鄉研究所 === 100 === Facing to the trend of population aging, Taiwan plans to implement the soc-called "reverse mortgage system" in 2012 in order to improve the economic security for the elderly population. Since public policy involves conflicts among different stakeholders, feasibility of a new policy has to be analyzed from the viewpoint of different stakeholders. In addition to the establishment of stakeholder network system, by use of social network analysis software (UCINET), the commonality, complement, and the possibility of cooperation among stakeholders are analyzed. Both “in-depth interview” and “network analysis” are applied to investigate the impacts of “reverse mortgage system” on different stakeholders in three aspects. (1) Regarding to the social aspect, the system provides the elder who are also the economical disadvantaged one option of economical source; however, there are actually contradictions and conflicts existing between the social-welfare-oriented group with the same interests and the finance-industry- oriented one. That leads to some barriers for the government to design the system. (2) Regarding to the government aspect, many stakeholders recognize that the central government as the crucial decision maker and the stakeholder to affect the promoting of the system. (3) The government plays the role to lead and educate the people and has the responsibility to design the mechanism to solve social problems. In terms of the finance-industry-oriented group with same interests, it not merely has to face to uncertainty risks, but has some conflicts with the social-welfare-oriented group. The previous one has to play the role to communicate and negotiate among different groups, and to have a closer cooperation relationship with the government. It is suggested that further analysis on the relationships among different stakeholders should be conducted in the future researches in order to develop a more efficient system with social equity sufficiently considered.