농촌형 역모기지론 도입효과 분석
The Effect of the Farmland Reverse Mortgage Loan Program on Aged Farmers' Income.
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The purpose of this paper is to estimate the effect of a reverse mortgage loan program on aged farmers’ income problem. This paper estimate the magnitude of income effect of aged farmers in rural area based on the levels of yearly payments of reverse mortgage with the 2006 farm household economy survey data. The results show that (i) aged farmers with a higher level of farmland asset, lower debt ratio, and shorter life expectancy faced high income increase, and (ii) aged farmers in rural areas could improve their life and stabilize their living conditions considerably using reverse mortgage loan program on farmland.
Abstract
The purpose of this paper is to estimate the effect of a reverse mortgage loan program on aged farmers’ income problem. This paper estimate the magnitude of income effect of aged farmers in rural area based on the levels of yearly payments of reverse mortgage with the 2006 farm household economy survey data. The results show that (i) aged farmers with a higher level of farmland asset, lower debt ratio, and shorter life expectancy faced high income increase, and (ii) aged farmers in rural areas could improve their life and stabilize their living conditions considerably using reverse mortgage loan program on farmland.
참고문헌 (11)
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