摘要
为研究人们对反按揭支付方式的偏好特征,分别建立基于指数函数和q指数函数的反按揭模型并求解.根据模型按照本金递减、本金不变和本金递增的还款方式设计三种反按揭合同并进行满意度调查,三种还款方式按指数函数估值相同,按q指数函数估值不同.对调查结果进行Kruskal-Wallis非参数检验发现:三种方式中,人们最偏好本金递增的还款方式,其次是本金不变,最次是本金递减的还款方式.结论显示金融企业可在不提高利率的情况下通过改变支付方式提高客户对反按揭的满意度.
In order to examine the payment preferences for reverse mortgage,the reverse mortgage models were established based on the exponential discount and q-exponential discount function,whose general solutions were obtained.Then,three reverse mortgages were designed with three different repayment plans(falling,constant,and rising).A satisfaction survey of the mortgage plans was conducted,and it was found that the values of the mortgages are the same using the exponential discount function but are different using the q-exponential discount function.The results showed that the rising profile is better evaluated than the other two options,and the falling profile is less evaluated than the other two.This indicates that financial institutions can improve their clients′satisfaction of reverse mortgage without any interest rate hike by changing payment preferences.
作者
陆阳
王健
庄新田
LU Yang;WANG Jian;ZHUANG Xin-tian(School of Business Administration,Northeastern University,Shenyang 110169,China)
出处
《东北大学学报（自然科学版）》
EI
CAS
CSCD
北大核心
2019年第12期1796-1799,共4页
Journal of Northeastern University(Natural Science)
基金
国家自然科学基金资助项目(71571038)
辽宁省自然科学基金资助项目(20180550441)
中央高校基本科研业务费专项资金资助项目(N180604006)
关键词
q指数函数
跨期决策
反按揭
经济物理学
q-exponential function
intertemporal decision making
reverse mortgage
econophysics
