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系統識別號 U0026-3107202014061100
論文名稱(中文) 反向抵押貸款購買意願之研究-聯合分析法之應用
論文名稱(英文) Applying conjoint analysis to the discussion of purchasing intention of reverse mortgage
校院名稱 成功大學
系所名稱(中) 企業管理學系
系所名稱(英) Department of Business Administration
學年度 108
學期 2
出版年 109
研究生(中文) 楊佳容
研究生(英文) Jia-Rong Yang
電子信箱 joyce831207@gmail.com
學號 R46071183
學位類別 碩士
語文別 中文
論文頁數 104頁
口試委員 指導教授-黃瀞瑩
口試委員-方世杰
口試委員-楊濟華
口試委員-李憲達
中文關鍵字 聯合分析法  反向抵押貸款  產品屬性 
英文關鍵字 Conjoint analysis  Reverse mortgage  Product attributes 
學科別分類
中文摘要 反向抵押貸款產品為一項專門為老年人設計之金融商品,隨著台灣邁入高齡化社會,持續成長之高齡照護人口也將帶給政府日益擴增之財務負擔,而反向抵押貸款產品能夠作為老年人之生活經濟來源,減輕家人及政府財政負擔,進而有刺激高齡族群消費之可能。
本研究目的為利用聯合分析法來探討消費者對反向抵押貸款五種重要屬性間的相對重要性以及成分效用值,藉以了解消費者對於反向抵押貸款產品型態之購買意願,以及產品屬性水準之間的偏好關係,提供給金融業者開發新產品規格時之參考。
本研究調查以問卷方式進行,透過參照國內外市場上現有之反向抵押貸款產品蒐集主要屬性,利用前測問卷來決定構成產品型態之五項重要屬性。在受測體之設計方面,使用直交排列法縮減實驗樣本,取得八組受測產品組合,讓受測者進行組合之偏好排序。最後以聯合分析法得出反向抵押貸款各屬性水準之重要性權重及成分效用值,進而得出最受消費者歡迎之產品組合。
研究結果顯示,整體受測者最偏好之產品屬性為貸款年限,其次為感知被充分告知,最佳產品組合為:須經由律師諮詢或第三方見證人告知資訊+固定利率+30年以上+定期給付型+違約情形視同合約到期須繳付本金與利息。
英文摘要 Reverse mortgage is a financial product specially designed for the elderly. In Taiwan, the growing elderly population will bring the government increasing financial burden. In this case, reverse mortgage can increase the economic autonomy of the elderly and protects the right to adequate housing. To expand the market, it is important to find what kind of reverse mortgage customers prefer. Therefore the purpose of the study is to understand the features of reverse mortgage customers.
The study conducts conjoint analysis to inspect what attributes customers prefer most. The statistic software package SPSS was employed to analyze the collected data.
The result shows credit period is the most important attribute. The second important attribute is that customer feel fully informed. Through the conjoint analysis, we can gain an optimal combination and strategy.
論文目次 摘要 II
Abstract III
INTRODUCTION IV
MATERIALS AND METHODS IV
RESULTS AND DISCUSSION V
CONCLUSION VI
致謝 VII
第一章 緒論 1
1.1研究目的 8
1.2研究流程 8
第二章 文獻探討 9
2.1反向抵押貸款 9
2.2 信任 17
2.2.1消費者信任 17
2.2.2對金融機構之信任 18
2.3專案利率 19
2.4利率收取時點 20
2.5充分告知 22
2.6感知壓力 23
2.7感知年齡增長壓力 24
2.8違約金 25
2.9手續費 25
2.10撥款方式 26
2.11貸款額度 27
2.12貸款年限 29
2.13購買意圖 30
第三章 研究方法 32
3.1聯合分析法 32
3.1.1聯合分析法之基本概念 32
3.1.2聯合分析法之步驟 33
3.2前測問卷設計與屬性篩選 39
3.4研究工具與方法 44
3.5小結: 45
第四章 研究結果 46
4.1總體受測者之屬性偏好分析 46
4.1.1總體受測者購買意願分析 46
4.1.2受測者考量因素分析 48
4.2聯合分析之結果分析 50
4.2.1整體受測者之屬性偏好分析與相對重要性 50
4.2.1依人口統計變數分析屬性偏好 56
4.2.1.1性別族群之分析 56
4.2.1.2年齡族群之分析 61
4.2.1.3教育程度族群之分析 67
4.2.1.4家庭狀況族群之分析 69
4.2.1.5每月可支配所得族群之分析 72
4.2.1.6居住地族群之分析 75
4.2.1.7擁有之房屋戶數族群之分析 78
4.3 以房養老產品組合偏好之評估標準 80
4.3.1 以成分效用值建立評估算式 81
4.4 產品之最佳組合 82
4.4.1 最佳以房養老產品組合 82
4.5小結 87
第五章 結論與建議 88
5.1研究結論 88
5.2研究貢獻及管理意涵 90
5.3本研究之不足以及未來研究建議方向 92
參考文獻 93
附件一 前測問卷 98
附件二 正式問卷 101
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