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題 名 | 臺灣金融機構對木質構造建築物貸款現況之探討=Current Status Survey on the Banking Loan System for Wooden Structure Buildings in Taiwan |
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作 者 | 蔡明哲; 林麗英; 王松永; | 書刊名 | 林產工業 |
卷 期 | 20:4 2001.12[民90.12] |
頁 次 | 頁271-283 |
分類號 | 441.553 |
關鍵詞 | 木質構造建築物; 金融機構貸款; Wooden structure building; Financing process; |
語 文 | 中文(Chinese) |
中文摘要 | 近年來,由於「溫室效應」及「全球暖化」等環境議題持續受到重視,各國為求永續發展,而倡導「綠建築」,但最符合「綠建築」的「木質構造建築」在國內推展時,遭遇諸多障礙,待一一克服。本研究之目的希望能克服木質構造建築物金融機構貸款障礙,推廣木質構造建築物之興築,提高國內木質構造建築市場佔有率。研究方法是探討國內金融機構,各類建築物鑑估方式對貸款額度之影響。同時調國內木質構物建築物貸款實際辦理情形,以究明木質構造物建築物與其他各種建材不動產金融機構貸款辦理情形之異同。研究結果發現,以木質構造建築物為擔保品辦理貸款,其貸款額度較低,借款年限較短,每月繳還貸款本息金額較高。實務調查發現,不及二成金融機構曾辦理過木質構造建築物貸款,其餘約八成金融機構因木質構造建築物未辦理地政保存登記,或木質構造建築物濕易燃物,鑑估訪價不易,耐用年限短等因素,而拒絕辦理木質構造建築物擔保貸款。本研究並依據探討調查結果,提出若干建議,供政府及有關單位參考。 |
英文摘要 | Recently, people have been paying more attention to environmental issues, such as the "greenhouse effect" and "global warming". Many countries have been working hard to promote the concept of "green building" for sustainable development. However, the concept in Taiwan about the building of wooden structures still has some problems that need to be resolved. The purpose of this study was how to overcome some financial problems especially regarding how to get a bank loan for the building of wooden structures. We hope that this would be helpful to popularize wooden structure building, and increase the market value of wooden structures. The method used was to investigate the domestic financing process for all kinds of buildings, and to compare the influence on loan amount with different methods of evaluation. The conclusions were as follows: if wooden structures are put up as collateral for mortgage, borrowers are then faced with lower loan amounts, shorter term loans, and higher payments per month. No more than 20% of banks have ever mortgaged wooden structures as collateral for loans. Another 80% of banks refuse to accept wooden structures as collateral because the wooden structures were not registered with the land administration, they were flammable, collateral was not easy to valuate, and their durability was lower, etc. Based on the results, we will offer some suggestions to the related government authorities. |
本系統中英文摘要資訊取自各篇刊載內容。