探討國民住宅年金之可行性

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题名:	探討國民住宅年金之可行性
作者:	林珍旭;Lin, Chen-Hsu
贡献者:	企業管理學系在職專班
关键词:	少子化國安危機;住宅合作社;社會住宅;國民住宅年金;A national security crisis with declining birthrates;Housing cooperatives;Social Housing;National housing annuity
日期:	2023-02-02
上传时间:	2024-09-19 15:22:04 (UTC+8)
出版者:	國立中央大學
摘要:	台灣土地價值為屋主惜售與土地都更困難之主因，隨之帶來的高漲房價使居住基本需求更像是民眾望之卻步負擔不起的奢侈品。多數青年被迫居住在租金昂貴的私人住宅中，面對政府租金補貼有限，以及因都更問題而建設緩慢的社會住宅，與其制度之侷限性等因素更加劇了少子化之國安危機。另外，因應人口老化將面臨的老人年金不足之隱憂，台灣政府機構所提倡的「以房養老」政策在不動產留傳子孫之傳統觀念趨使而效果不彰。政府機構所設置之住房政策皆未發揮其應有效能，既降低國家經濟風險與維持社會安定性。本研究探討的國民住宅年金及案例探討分析中，探索各國社會性住宅之歷史演變，以了解其持續性運作機制與可改善之途徑，集中各國住房核心問題以作為改善台灣住房困境之參考借鏡。既探討國民住宅年金以解決青年買不起住房、都市更興緩慢、養老金不足以及少子化國安危機之社會與經濟問題。研究結果引用經濟循環理論，結合住宅合作社(Housing Cooperative)與社會住宅(Social Hosing)兩者之系統運作優點為基礎，落實閒置土地再用循環為解決台灣核心住房問題之可行方法。本研究以居住為基本人權，建議政府機關應獎勵及協助地方或民間企業提供閒置土地作為建設國民住宅年金之住宅建地。透過政府與民間共同協議設立解決階段性住房困境之可行制度，結合金融體系與勞動公民共同建置國民住宅年金化。共同達到居住權為政府保障勞動國民之應有義務，建置築巢與選擇住宅形式為全體國人之應有權利。 ;The value of land in Taiwan is the main reason why it is more difficult for homeowners to sell land, and the resulting high housing prices make basic housing needs more like luxury goods that people cannot afford. Most young people are forced to live in private housing with expensive rents, and the limited rent subsidies of the government and the slow construction of social housing due to the problems are exacerbated by the limitations of their institutions. In addition, in response to the hidden worry of insufficient pension for the elderly that the aging population will face, the traditional concept of "housing for the aged" policy advocated by Taiwan′s government agencies tends to be ineffective in leaving children and grandchildren in real estate. None of the housing policies set by government agencies have been effective in reducing national economic risks and maintaining social stability. In the analysis of national housing annuities and case studies, this study explores the historical evolution of social housing in various countries to understand its sustainable operation mechanism and ways to improve it, and concentrates on the core housing issues of various countries as a reference for improving Taiwan′s housing dilemma. It will explore the social and economic problems of national housing annuities to solve the social and economic problems of youth unaffordable housing, slow urban prosperity, insufficient pensions, and the crisis of national security with a declining birthrate. The results of the study cite the economic cycle theory, combining the advantages of the system operation of housing cooperatives and social housing foundation to sands implement the recycling of idle land as a feasible way to solve Taiwan′s core housing problems. This study takes housing as a basic human right and suggests that government agencies should reward and assist local or private enterprises in providing vacant land as residential land for the construction of national housing annuities. Through the joint agreement between the government and the private sector, a feasible system to solve the phased housing dilemma will be established, and the financial system and working citizens will jointly build a national housing annuity. Jointly achieving the right of residence is the due obligation of the government to guarantee the working people, and the construction of nests and the choice of housing forms are the due rights of all Taiwan people.
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