查詢結果分析
來源資料
頁籤選單縮合
題 名 | 反向房屋抵押貸款的影響因素之研究=A Study on Factors that Influence Reverse Mortgage Loans |
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作 者 | 張幸惠; 姚名麗; 嚴秀容; | 書刊名 | 輔仁管理評論 |
卷 期 | 22:2 2015.05[民104.05] |
頁 次 | 頁95-114 |
分類號 | 562.33 |
關鍵詞 | 反向房屋抵押貸款; 行為意圖; 探索性因素分析; Reverse mortgage loans; Behavioral intention; Exploratory factor analysis; |
語 文 | 中文(Chinese) |
中文摘要 | 本研究的主要目的在探討影響消費者接受反向貸款的因素。以問卷調查取得量化資料,本研究採用探索性因素分析萃取影響反向貸款的因素,結果共萃取四個因素:財務成本、生活保障、社會福利與房產價值觀,解釋變異為72.31%。變異數分析結果顯示,人口統計變數在社會福利上有顯著的差異性。另外,迴歸分析結果顯示,四個因素都正向顯著地影響行為意圖;房產價值觀是最重要的影響因素,但人口統計變數則否,而感性分析結果仍維持不變。 |
英文摘要 | The aim of this study is to investigate factors that influence reverse mortgage loans. This study used a questionnaire survey to obtain quantitative data and employed an exploratory factor analysis (EFA) to extract factors influencing reverse mortgage loans. Results obtained four factors: financial cost, life assurance, social welfare, and house value, and total explained variance was 72.31%. This study found that demographic variables show significant differences in social welfare by using the ANOVA test. In addition, this study found that all four factors significantly and positively influence behavioral intention on reverse mortgage loan by using the regression analysis. House value was the most significant factor that influences behavioral intention on reverse mortgage loan, while the demographic variables did not. Furthermore, the robustness test still supported the results. |
本系統中英文摘要資訊取自各篇刊載內容。