辨識我國逆向抵押貸款市場發展策略之優先順序──Fuzzy AHP之應用

A Study on Prioritizing Evaluation Decision for the Development Strategy of Reverse Mortgage Market–The Application of Fuzzy AHP

在分辨我國逆向抵押貸款市場發展策略優先順序時，存在模糊性及多準則特性，故本研究應用模糊分析階層程序法(fuzzy analytic hierarchical process, FAHP)來評估與分析，實證結果顯示國內逆向抵押貸款市場發展策略優先順序之整體評估排序，在三角模糊方面，依序為放寬申請條件、政府介入擔保、稅賦優惠制度、貸款保險機制、資訊透明化、教育宣導、強制專業諮詢輔導、不動產估價制度、抵押貸款證券化。本研究發現有其韌性，因無論是以三角模糊數或常態模糊數，其結果皆以「放寬申請條件」之排序最高。

With the characteristics of fuzziness and multi-criteria decision making when distinguishing the priority of development strategy in the Reverse Mortgage market in Taiwan. This research applies the fuzzy analytic hierarchical process (FAHP) to evaluate and analyze. The empirical results show that priority of the overall evaluation, in terms of Triangular Fuzzy Numbers, the order is relaxation of application conditions, government intervention guarantee, tax incentive, loan insurance mechanism, information transparency, education, mandatory professional advisory and counseling, real estate appraisal system, and mortgage securitization. The finding is robust in the sense that the relaxation of application conditions in the first priority in spite that Triangular Fuzzy Numbers or Gaussian Fuzzy Numbers are utilized.