Study on systems of Housing Endowment Among China, Japan and Taiwan

• Main Authors: Huang,Yu-Feng, 黃玉鳳
• Other Authors: Lin,Hsien -Ta
• Format: Others
• Language: zh-TW
• Published: 2018
• Online Access: http://ndltd.ncl.edu.tw/handle/5q9xzt

碩士 === 環球科技大學 === 中小企業經營策略管理研究所 === 106 === This article is cares for the aged by Taiwan and the neighbor State bank commodity by the room takes the inquisition, cares for the aged the commodity by the room to be possible to take the retired old person's life source of income, also may manage finances the utilization of capital as the investment. Cares for the aged take the room is the advanced age old person the name under the real estate mortgage for the bank organization and by the real estate hypothesis as the pawn, the penetration loan organization monthly by stages or pays regularly the cash to the advanced age old person account, the advanced age old person may lead the lifelong, after waits the old person to die namely uses the mortgage the real estate restore all mortgage amount. Our country Government in order to slow down the advanced age population to increase sharply to the country has the financial influence and the social economy impact, has carried out the public welfare since 2013 to care for the aged the policy by the room to set up as an experiment, until now some ten banks invested together by the room care for the aged the ranks, and by different commodity in accordance to different region tribal grouping tribal group's demand. But cares for the aged the commodity by the room to solve the old person to be possible to live in own real estate does not need to move originally, lets the old person be able to take care of the natural lifespan, so-called 60 year old of before raises the room, 60 years old later by Fang Gangrene, regarding the approval the advanced age who will care for the aged by the room, the way ill question, the safeguard will be the biggest factor. If cares for the aged the loan by the room not to be able to safeguard the senior citizen to retire the after economic life, also faces each kind of risk by lends money bilateral respective withstanding, will have the superiority status bank to give inevitably risk shifting the borrower, then will be able to affect the borrower significant rights and interests, this research will care for the aged the mortgage loan take the bank leadership by the room as the discussion core. This article discusses Taiwan to raise research of and Japan, China the commodity by the room cares for the aged the implementation plan experience by the room to do inquiries into one by one compares, Taiwan after improves under the basic premise principle in the innovation finance service which the old person retires lives, if coordinates Our country Government to carry out old ten cares for the aged the commodity development according to the correlation, is an advanced age society finance innovation. At present the Taiwan Cooperative Bank of Taiwan bank is often acceptance and the carrying out achievement is best.