論文名稱：老年經濟安全保障與理財知識對逆向抵押貸款借款意願的影響－涉入的干擾效果
頁數：138
校系所組別：真理大學企業管理學系碩士班
畢業時間及提要別：99學年度第2學期 碩士學位論文提要
研究生：林國森 指導教授：林隆儀
論文提要內容：
由於人口老化及低生育率已是全世界各國共同的現象，平均壽命隨著經濟發展所帶來醫療及居住環境之改善而快速延長中，老年經濟安全保障因此成為嚴重且急迫的議題，具有高取得性的逆向抵押貸款是除了國民年金、企業退休金等退休來源之外的新的選擇。本研究探討老年經濟安全保障與理財知識對逆向抵押貸款借款意願的影響，以及涉入在老年經濟安全保障與理財知識對逆向抵押貸款借款意願影響的干擾效果。以大台北地區土地銀行擁有房屋的客戶為研究對象，採用便利抽樣法收集初級資料，共發出450份問卷，回收有效問卷410份，有效問卷回收率為91.1%，經使用迴歸分析驗證研究假說，研究結果顯示：(1)老年經濟安全保障對逆向抵押貸款借款意願有顯著正向的影響(2)理財知識對逆向抵押貸款借款意願有顯著正向的影響(3)老年經濟安全保障與理財知識的交互作用對逆向抵押貸款借款意願有顯著正向的影響(4)涉入在老年經濟安全保障對逆向抵押貸款借款意願影響有顯著正向的干擾效果(5)涉入在理財知識對逆向抵押貸款借款意願影響有顯著正向的干擾效果(6)涉入在老年經濟安全保障與理財知識的交互作用對逆向抵押貸款借款意願影響有顯著正向的干擾效果。

Title of Thesis：The Influence of Old-Age Income Security and Financial Literacy on Willingness to Apply Reverse Mortgage: The Moderating Effects of Involvement
Key words：Old-Age Income Security, Financial Literacy, Reverse Mortgage, Involvement(Double space)
Name of Institute：Graduate School of Management Sciences,
Aletheia University(Double space)
Graduate Date：June, 2011 Degree Conferred：Master
(Double space)
Name of Student：Vincent Lin Advisor：Long-Yi Lin, Ph. D.
(Double space) 林國森(in Chinese) 林隆儀 博士
Abstract：
Because of the low mortality rates and decreased fertility, as well as the
subsequent increased aging problems, insufficient pensions have become a serious
issue. In addition to traditional resources, such as public and private pensions,
commercial annuities, reverse mortgages provide a new resource option for
retirement. The object of this research is to explore the influence of old-age income
security and financial literacy on willingness to apply reverse mortgage and the
moderating effects of involvement between the influence of old-age income
security and financial literacy on willingness to apply reverse mortgage. The
research results show that old-age income security and financial literacy have
significant impact on willingness to apply reverse mortgage, and also indicate that
the involvement has a significant moderating effects between the influence of
old-age income security and financial literacy on willingness to apply reverse
mortgage. The convenience sampling method was used to collect the preliminary
data from own-house customers of Land Bank of Taipei city and New Taipei city.
A total of 450 questionnaires were distributed, 410 valid questionnaires were
collected, comprising the validity response rate of 91.1%. Regression analysis
was used to test the hypotheses.
The research results were list as follow: (1) Old-age income security has a significantly positive influence on willingness to apply reverse mortgage. (2) Financial literacy has a significantly positive influence on willingness to apply reverse mortgage. (3)The interactions of old-age income security and financial literacy have a significantly positive influence on willingness to apply reverse mortgage. (4)The involvement has a significant moderating effect between the influences of old-age income security on willingness to apply reverse mortgage. (5) The involvement has a significant moderating effect between the influences of financial literacy on willingness to apply reverse mortgage. (6) The involvement has a significant moderating effect between the influence of the interactions of old-age income security and financial literacy on willingness to apply reverse mortgage.

目 錄
中文摘要 I
英文摘要 III
誌謝 IV
目錄 V
圖目錄 VIII
表目錄 IX
第壹章 緒論 1
第一節 研究背景與問題 1
第二節 研究動機與目的 4
第貳章 文獻探討 7
第一節 老年經濟安全保障 7
第二節 理財知識 25
第三節 涉入 34
第四節 逆向抵押貸款借款意願 46
第五節 各變數之間的關係 57
第參章 研究方法 65
第一節 觀念性架構 65
第二節 假說推論 68
第三節 變數操作性定義與衡量 73
第四節 抽樣方法與樣本數 78
第五節 問卷設計 79
第六節 資料蒐集方法 84
第七節 資料分析方法 85
第肆章 資料分析 87
第一節 樣本敘述 87
第二節 信度分析 88
第三節 效度分析 90
第四節 相關分析 92
第五節 變異數殘差分析 93
第六節 假說檢定 97
第七節 討論 109
第伍章 結論與建議 113
第一節 研究結論 113
第二節 管理意涵 115
第三節 研究限制與建議 116
參考文獻 120
一、 中文部份 120
二、 英文部份 125
附錄 問卷 135


圖目錄
圖2-1 中國式四層塔老年經濟安全制度 12
圖2-2 依涉入本質劃分之涉入關係圖 41
圖2-3 Zaichkowsky的涉入觀念圖 42
圖3-1 觀念性架構 67
圖4-1 標準化殘差次數分配直方圖 94
圖4-2 迴歸標準化殘差常態機率圖 95
圖4-3 標準化殘差值與預測值的散佈圖 96



表目錄
表2-1 消費者購買決策歷程 39
表3-1 老年經濟安全保障的衡量問項 80
表3-2 理財知識的衡量問項 81
表3-3 涉入的衡量問項 83
表3-4 逆向抵押貸款借款意願的衡量問項 83
表4-1 問卷回收數 87
表4-2 樣本基本資料分析 88
表4-3 研究變數／構面的信度分析 89
表4-4 問卷效度分析 90
表4-5 相關係數的強度大小與意義對照表 92
表4-6 變數／構面的Pearson相關分析 93
表4-7 迴歸模式之D-W值 97
表4-8 老年經濟安全保障對逆向抵押貸款借款意願之迴歸分析 98
表4-9 理財知識對逆向抵押貸款借款意願之迴歸分析 99
表4-10老年經濟安全保障與理財知識的交互作用對逆向抵押
貸款借款意願之迴歸分析 101
表4-11涉入在老年經濟安全保障對逆向抵押貸款借款意願影
響干擾效果之迴歸分析 103
表4-12涉入在理財知識對逆向抵押貸款借款意願干擾效果之
迴歸分析 104
表4-13涉入在老年經濟安全保障與理財知識的交互作用對逆
向抵押貸款借款意願干擾效果之迴歸分析 106
表4-14本研究的假說驗證結果彙總表 108

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