台灣少子化、高齡化問題嚴重，預計在2025年進入「超高齡社會」（65歲以上人口占總人口比率達20%），如何老有善終？成為大家要共同面對的議題。台灣家庭房屋自有率高，近年來許多銀行推出「逆向抵押貸款」方案，協助老年人活化其自有住宅資產，提供高齡經濟安全之保障，但也衍生許多風險問題。基於法律風險管理預防勝於治療之超前部署，本文批判分析相關文獻，結合相關法規，歸納其金融商品特色及其法律風險管理模式，並以問卷調查實證分析所得，建構以房養老法律風險管理「他律」與「自律」之「動態平衡」創新模式，並提出具體建議，使其成本效益及交易安全得以兼顧，致力於打造老有善終的高齡友善社會。 Under the low birth rate and aging society in Taiwan. According to the estimation, we will enter the era of “Super-aged society” in 2025. (20% of the total population aged 65 and above.)How to take care the elders and also provide the benefits until they deceased?It became everyone’s responsibility to face this upcoming issue.Taiwanese families have high homeownership rate, many banks released “Reverse Mortgage Loan” for the past few years. To assist the elders, activate their own residence property, and to provide the safeguards of Elderly Economics. But it has also increased the issues of the risk management. On the basis of the risk management of law surpassed the early preventive measures.The article focuses on research of the critical discourse analysis, and combine the related laws from the documents. To sum up its characteristic of the financial product and the legal risk management mode. Analysis and make the summarize the observation from the survey. To construct the reverse mortgage program of Legal risk management and Heteronomous and Autonomous Dynamic Equilibrium Reaching the success of both cost-effectiveness and safety of tradement by supporting the ideas with specific recommendations. Reaffirms its commitment to reached the age-friendly society.
