Research on the House-for-Pension Program of Commercial Bank in Taiwan

• Main Authors: CHEN,NAI-JIUN, 陳乃君
• Other Authors: HSIEH,KUN-MIN
• Format: Others
• Language: zh-TW
• Published: 2018
• Online Access: http://ndltd.ncl.edu.tw/handle/zw2kg8

碩士 === 國立高雄應用科技大學 === 金融系金融資訊碩士在職專班 === 106 === This study was based on the loan data of credit account from A Bank from December 9, 2015 to September 30, 2017, and mainly discussed the effects of the impact factors on the " House-for-Pension " loan including the located area of collateral security, loan age, loan term, monthly loan amount, approved amount, total assessment value of collateral security and current loan-to value. One-way ANOVA showed that the located area of collateral security, loan age, loan term, approved amount, total assessment value of collateral security and current loan-to value in each different monthly loan amounts presented the significant differences. The results of analysis indicated that the value of collateral security was an agreed account of universally impacting the "House-for-Pension" loan and the approved amount was the main factor that affected it. This study expected to provide the best judgment for the people who intend to buy house as a retired planning in the future. Because of the obvious shortage of only relying on the social insurance or the retirement pension provided by the enterprise, it is necessary to introduce the "House-for-Pension" in the right time, which can not only increase the pension but also maintain a certain living standard so as to live a healthy and leisurely retired life.