| Summary: | 碩士 === 東吳大學 === 國際經營與貿易學系 === 105 === As a result of medical and technological progress, people's life greatly improved. The increase in the proportion of late marriage and non-married population, resulting in low fertility rate and the phenomenon of less child. Aging society will have a significant impact on the economy and society, the elderly security issues have become the subject we must pay attention to, and the United States first introduced reverse mortgage policy response.
The study is mainly on the banking system in the basic principle of credit, and with the government policy promotion to discuss the impact of the commercial reverse mortgage on the domestic economy and the relevant needs of the elderly, so that the manufacturers are willing to invest in the elderly industry. It also compares the differences in the strengths and weaknesses of the reverse mortgage system with the United States, China and Japan. Providing the government reference to make the suitable ones for our country.
The study suggests that our government implementation of the reverse mortgage system, the United States HECM can take the "government guarantee model" the advantages of not only to provide a certain degree of protection of the elderly, but also enhance the ability of financial institutions to resist risks, so that the elderly for this program more confidence. The commercial reverse mortgage loans from the end of 2015 to date, has handled thousands of cases, to build a more planned economic security for the elderly to facilitate the implementation of reverse mortgage loans. The study recommend that the financial supervisory commission, the ministry of the interior, the ministry of justice and the financial institutions to develop the relevant supporting programs to make the implementation of reverse mortgage program more perfect.
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