| Summary: | 碩士 === 國立中興大學 === 國家政策與公共事務研究所 === 104 === With the house prices rising these years, the government executed the policy of actual price registration in real estate transactions to solve the chronic problems, Asymmetric information, and to develop a more sound real estate market.
Results of this study showed as follows. First of all, in terms of policymaking and its implementation, the information transparency has improved. But its authenticity and accuracy have been questioned. As for the policy evaluations, it showed above average. Over the executing problems, the actual price registration system can only be made available for searching in an anonymized form, at the level of the District or Section. It cannot present the actual transaction status accurately. Because of the information asymmetry in the market, the credit review personnel may interpret the information in many aspects, thus the evaluation may very. Besides, different credit review personnel may have different agreement on the various price ranges within the actual price registration system and it''s authenticity. Thus, the personal experiences and subjective judgment may result in different valuations.
The research suggests that the government is supposed to re-examine the regulations of the renting and leasing of real estate, to make the information of real estate transactions completed transparent, to increase the manpower to check the authenticity of information and to full-scale operate the registration of actual real-estate transaction prices. In addition, the bank should introduce the credit and guarantee insurance system of real estate mortgage, and use the real state along with the open data into the automated valuation system.
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