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研究生:許硯雄
研究生(外文):Hsu Yen Hsiung
論文名稱:臺灣首購族與非首購族使用房貸壽險之差異研究分析
論文名稱(外文):Research and Analysis of Differences in the Use of Mortgage Life Insurance between First-time Buyers and Non-First-Time Buyers in Taiwan
指導教授:王明昌王明昌引用關係宋豪漳宋豪漳引用關係
指導教授(外文):Wang MingchangSong Haozhang
口試委員:蔡志豐胡雅涵
口試委員(外文):Cai ZhifengHu Yahan
口試日期:2023-07-06
學位類別:碩士
校院名稱:國立中正大學
系所名稱:企業管理學系碩士在職專班
學門:商業及管理學門
學類:企業管理學類
論文種類:學術論文
論文出版年:2023
畢業學年度:111
語文別:中文
論文頁數:37
中文關鍵詞:房貸壽險房屋擔保貸款羅吉斯迴歸首購與非首購
外文關鍵詞:mortgage life insuranceHome Secured LoanRogers returnsFirst purchase and non-first purchase
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本研究是以某銀行臺中地區某分行110-111年度,申請房屋擔保貸款樣本共計 1,000件,蒐集貸款者特性變數資料及銀行端貸放條件變數資料等相關影響購買房貸壽險因素共15項變數資料,來探討對房屋擔保貸款者是否購買房貸壽險的影響,以及探討首購與非首購兩者之差異分析。貸款者特性變數資料:包括貸款者的性別、年齡、教育程度、職業、服務年資、婚姻狀態、子女人數、年收入(含保證人)、信用評等以及首購與非首購等10項。銀行端貸放條件變數資料:包括核貸金額、核貸年限、是否徵提保證人、寬限期及利率等5項。
本研究主要探討影響消費者購買房貸壽險之因素,本研究實證結果發現:
(一)年紀越輕、教育程度越高、職業為非軍公教、信用評等越好等4項變數對購買房貸壽險有顯著影響。
(二)各變數與首購變數交乘,年紀越輕、教育程度越高、職業為非軍公教
、服務年資越長、信用評等越好、首購族且教育程度越低及首購族且信用評等越低等7項變數對購買房貸壽險有顯著影響,可提供為銀行行員行銷房貸壽險之參考,期能於客戶申請房貸時,對符合顯著性變數之借款人,加強推展房貸壽險,藉以提高滲透率與保障銀行之債權,並富裕銀行之手續收入。


This study is based on a branch of a bank in Taichung area in 110-111 years, a total of 1,000 samples of housing secured loans were collected, and data on the characteristics of the borrower and the variable data on the lending conditions of the bank were collected. , to explore the impact on whether mortgage loan buyers purchase mortgage life insurance, and to explore the difference between first-time buyers and non-first-time buyers. Borrower characteristic variable data: including 10 items such as the borrower's gender, age, education level, occupation, years of service, marital status, number of children, annual income (including guarantor), credit rating, first-time buyer and non-first-time buyer. Information on variable conditions for lending at the bank: including 5 items, including the approved loan amount, approved loan period, whether to ask for a guarantor, grace period, and interest rate.
This study mainly discusses the factors that influence consumers to purchase mortgage life insurance. The empirical results of this study found that:
(1) The younger the age, the higher the education level, the occupation is non-military public education, and the better the credit rating, the four variables have a significant impact on the purchase of mortgage life insurance.
(2) Each variable is multiplied with the first purchase variable, the younger the age, the higher the education level, and the occupation is non-military public education
7 variables, such as longer service years, better credit rating, first-time buyers with lower educational level, and first-time buyers with lower credit ratings, have a significant impact on the purchase of mortgage life insurance, which can be provided for bank clerks to market mortgage life insurance For reference, it is hoped that when customers apply for a mortgage, they can strengthen the promotion of mortgage life insurance for borrowers who meet significant variables, so as to increase the penetration rate and protect the bank's creditor's rights, and enrich the bank's processing income.
Keywords: Mortgage life insurance, housing secured loans, Logis regression, first-time buyers and non-first-time buyers

致謝 iii
中文摘要 iv
Abstract v
目錄 vi
表目錄 viii
圖目錄 viii
第一章 緒論 1
第一節 研究背景與動機 1
第二節 研究目的 4
第三節 研究架構 5
第二章 文獻探討與研究假說 7
第一節 壽險和房貸壽險之定義與商品介紹 7
第二節 影響消費者購買房貸壽險需求的決定因素 9
第三節 研究假說 12
第三章 研究方法 15
第一節 研究樣本 15
第三節 變數衡量 165
第三節 研究方法 16
第四章 實證結果 20
第一節 敘述性統計分析 20
第二節 卡方檢定 22
第三節 二元羅吉斯迴歸分析 23
第五章 結論 31
第一節 研究結論 31
第二節 實務意函 31
第三節 研究限制與未來建議 32
參考文獻 33
一、 中文部分 33
二、 英文部分 35


一、中文部分
1、李禮仲(2008)。新金融商品「房貸綁壽險」的風險。消費者報導雜誌,333,54-58。
2、洪正大(2022)。國人房貸風險認知對房貸壽險購買意願影響之研究-計畫行為理論之應用。國立中興大學應用經濟學研究所碩士論文。
3、許淑芬(2016)。影響房屋擔保貸款者購買房貸壽險因素的探討。國立屏東大學國際貿易學系碩士在職專班碩士論文。
4、楊長展(2021)。影響房屋貸款人購買房貸壽險因素之探討-以合作金庫商業銀行新竹地區某分行為例。中華大學企業管理研究所碩士論文。
5、陳新發(2014)。購屋者購買房貸壽險因素之分析。國立中正大學國際經濟學研究所碩士論文。
6、中華民國人壽保險商業同業公會網站 http://www.lia-roc.org.tw/,最後瀏覽日期:2023年4月9日。
7、財團法人金融聯合徵信中網 https://www.jcic.org.tw/main_ch/index.aspx,最後瀏覽日期:2023年4月11日。
8、MY83保險網站https://my83.com.tw/blogs?p=1344,最後瀏覽日期:2023年4月11日。
9、合作金庫人壽保險股份有限公司網站https://my.tcb-life.com.tw/最後瀏覽日期:2023年4月9日。
10、臺銀人壽保險股份有限公司網站https://www.twfhclife.com.tw/最後瀏覽日期:2023年4月9日。
11、富邦人壽保險股份有限公司網站https://www.fubon.com/life/product/personal/life-refund/SPU34最後瀏覽日期:2023年4月9日。
12、中華民國中央銀行全球資訊網https://www.cbc.gov.tw/tw/mp-1.html最後瀏覽日期:2023年4月9日。
13、中華郵政股份有限公https://www.post.gov.tw/post/internet/index.jsp最後瀏覽日期:2023年4月9日。
14、華南銀行https://event.hncb.com.tw/insurance/common_page/cata_index.html最後瀏覽日期:2023年4月9日。
15、安達人壽https://esales.chubblife.com.tw/pc/blog/to-know-life-insurance.php最後瀏覽日期:2023年4月23日。

二、英文部分
1. Burnett, J. J. and B. A. Palmer (1984) "Examining Life Insurance Ownership through Demographic and Psychographic Characteristics," Journal of Risk and Insurance 51(3): 453-46
2. Carson, J. M., R. E. Dumm, M. Halek, and A. P. Liebenberg (2011)
"Consumer Financial Decisions and Risk Aversion," University of Wisconsin-Madison, working paper.
3. Celik S, Kayali MM (2009) "Determinants of demand for life insura
-nce in European countries". Problems and Perspectives in Management, P. 7.:32-37
4. Chiappoli, P. A. and B. Salarié (2000) "Testing for Asym Insura-
nce Markets," Journal of Political Economy, 108(1):56-78.
5. Cohen, A. and L. Einav (200 7) "Estimating Risk Pref Choice,"Am-
erican Economic Review 97(3):745-788
6. Croson, R. and U. Gneczy (2009) "Gender Differences in Preferences, Journal of Economic Literature 47(2):448-474
7. Eckel, C. and P. Grossman (2008) "Forecasting Risk Attitudes: An
Experimental Study of Actual and Forecast Risk Attitudes of Women and Men," Journal of Economic Behavior and Organization 68(1):1-17
8. Eric Effah Sarkodie and Hadrat Yusif (2015) "Determinants of Life
Insurance Demand, Consumer Perspective - A Case Study of Ayeduase-Kumasi Community, Ghana" Article in Business and Economics Journal · January 2015,6:3
9. Eisenhauer, J. G. and M. Halek (1999) "Prudence, Risk Aversion,
and the Demand for Life Insurance," Applied Economics Letters 6(4): 239-242.
10. Hartog, J., A. Ferrer-i-Carbonell, and N. Jonker (2002) "Linking
Measured of Risk Aversion to Individual Characteristics," Kyklos 55(1): 3-26.
11. Hersch, J. (1996) "Smoking, Seat Belts, and Other Risky Consumer
Decisions: Differences by Gender and Race," Managerial and Decision Economics 17(5): 471- 481.
12. Hwang, T. and B. Greenford (2005) "A Cross-Section Analysis of the Determinants of Life Insurance Consumption in Mainland China, Hong-Kong and Taiwan," Risk Management and insurance Review 8(1): 103-125
13. Jianakoplos, N. A. and A. Bernasek (1998) "Are Women More Risk
Averse?," Economic Inquiry 36(4): 620-630.
14. Landskroner, Y. (1977) "Nonmarketable Assets and the Determinants of the Market Price of Risk," Review of Economics and Statistics 59(4): 482-492
15. Lee, S. J., S. I. Kwon, and S.Y. Chung (2010) "Determinants of
Household Demand for Insurance: The Case of Korea," Geneva Papers on Risk and Insurance 35: S82- S91.
16. Lin, F.-T. (2009) "Does the Risk Aversion Vary with Different
Background Risk of Households?," International Research Journal of Finance and Economics 34:69-82.
17. Mouna Zerriaa, Mohamed Marouen Amiri, Hedi Noubbigh and Kamel Naoui "Determinants of Life Insurance Demand in Tunisia" African Development Review, Vol. 29, No. 1, 2017, 69–80
18. Outreville, J. F. (2013a) "The Relationship between Insurance and Economic Development: 85 Empirical Papers for a Review of the Literature
, " Risk Management and Insurance Review 16(1): 71-122
19. "Risk Aversion, Risk Behavior, and Demand for Insurance: A Survey"
Author(s): J. François Outreville Source: Journal of Insurance Issues , FALL 2014, Vol. 37, No. 2 (FALL 2014), PP. 158-186
20. Truett, D. B. and L. J. Truett (1990) "The Demand for Life Insurance
in Mexico and the United States: A Comparative Study," Journal of Risk
and Insurance,57(2): 321-328.









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