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研究生:盧淑瓔
研究生(外文):LU, SHU-YING
論文名稱:央行選擇性信用管制對房屋貸款之影響
論文名稱(外文):The Impacts of the Central Bank's Selective Credit Control on Mortgage Loans
指導教授:陳宏易陳宏易引用關係
口試委員:吳芝文林虹妤
口試日期:2019-06-21
學位類別:碩士
校院名稱:東吳大學
系所名稱:國際經營與貿易學系
學門:商業及管理學門
學類:貿易學類
論文種類:學術論文
論文出版年:2019
畢業學年度:107
語文別:中文
論文頁數:76
中文關鍵詞:選擇性信用管制房屋貸款
外文關鍵詞:Selective Credit ControlMortgage Loans
相關次數:
  • 被引用被引用:3
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2009年第2季起,國內經濟復甦、貸款利率偏低、遺產稅及贈與稅調降,吸引國外資金回流,因捷運及高鐵沿線開發,進而帶動周邊房市需求,不動產交易熱絡,房價持續上漲。央行為遏阻投機者藉由銀行資金炒作房地產,也避免銀行不動產放款過度集中,承受過高的授信風險,遂於2010年6月起,對辦理特定地區購屋貸款等業務採取選擇性信用管制,用以限制其貸款成數及寬限期等。管制措施實行後,對房屋貸款有何影響?對一般大眾有何助益?爰以管制前及管制後之購置住宅貸款餘額等相關數據,探討台北市、新北市及桃園市等主要管制區域數據之變化。發現選擇性信用管制實施期間,以購置住宅貸款餘額而言,桃園市之複合平均成長率相較於管制前呈現成長狀態;而購置住宅貸款核准金額受選擇性信用管制影響而減少;於管制期間逾放比率較低;房價所得比及貸款負擔率於管制期間均呈上升趨勢;另依房價指數顯示,房價於管制鬆綁後,呈走升趨勢;建物買賣移轉登記棟數台北市於管制期間受到抑制而減少,而新北市及桃園市則呈現增加趨勢;以信用管制期間前後之時點觀之,買賣契約價格-平均單價均呈上升之趨勢;全年經常性收入亦呈現成長之趨勢,惟其成長幅度小於買賣契約價格-平均單價,顯示收入成長的速度遠不及房價成長之速度。
Since Q2 of 2009, the recovering economy, low interest rates, and lowered gift and estate taxes have led to an inflow of foreign capital. Transportation infrastructures like Mass Rapid Transportation (MRT) and the High Speed Rail (HSR) helped boost the demand of nearby real estate, resulting in a constant rise in housing prices. In order to prevent speculators from increasing real estate value through bank loans, as well as to avert banks from taking on too much credit risk due to a large number of mortgage loans, the Central Bank started selective credit control as a measure to limit loan-to-value and grace periods of mortgage loans in specific control areas in Taiwan. How has this measure affected mortgage loans? This paper analyzes data, including the balance of mortgage loans, to explore changes of statistics in Taipei, New Taipei, Taoyuan, and other main cities in the control area. One of the findings is that during the selective credit control measure period, Taoyuan saw an increase in the compounded annual growth rate of balance for loans on home purchases, a lowered amount in authorized loans, and a lower non-performing loan ratio compared with the pre-control period. On the other hand, both the house price-to-income ratio and the ratio of mortgage expense to household income edged up.
According to the real estate price index, home prices increased after implementation of the ease of control measure. Existing home sales in Taipei dwindled during the control period, whereas the statistics showed that sales increased in New Taipei and Taoyuan grew. During the period of selective credit control, average home values rose as did annual ordinary income. However, the growth rate of average home value significantly outpaced that of annual ordinary income.

1. 緒論 1
2. 文獻回顧 5
2.1. 管控措施相關文獻 5
2.2. 不動產貸款相關研究 10
3. 中央銀行的管控措施與金融機構之房屋貸款 14
3.1 中央銀行沿革及貨幣政策略述 14
3.2 信用管制簡介-選擇性信用管制 18
3.2.1. 選擇性信用管理實行背景 18
3.2.2. 選擇性信用管理內容 18
3.3 房屋貸款簡介 21
3.3.1. 房屋貸款類型 21
3.3.2 授信種類 22
3.3.3 授信業務審核原則 22
3.3.4 金融機構房屋貸款市佔率 24
4. 央行信用管制對房貸影響分析 31
4.1 研究方法與資料來源 31
4.2 結果分析 33
5. 結論 52
參考文獻 55

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