第五章 結論與建議
第二節 建議
國
立 政 治 大 學
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N a tio na
l C h engchi U ni ve rs it y
第二節 建議
政策建議
對運用比較法調整比較標的之建議
不動產與銀行距離及不動產鄰近銀行的聚集度，都與不動產價格 呈現顯著的相關，故運用比較法進行比較標的的調整時，可以採納與 銀行距離作為比較調整項目之一，而對於區域內商業發達程度的認定，
則可採用較客觀的銀行聚集程度。
對購置或投資不動產之建議
購置或投資不動產時，對於區域內商業聚集程度之調查，建議可 利用投資標的鄰近之銀行家數做為商業聚集之替代指標。
對銀行設立分支機構之建議
銀行設立分支機構時之區位評選準則，可納入鄰近其他銀行之家 數的量化指標，用以分析租金或不動產價格與是否合乎銀行預期之聚 集效益。
對依內政部頒佈調整表之建議
內政部訂有「影響地價區域因素基準表」，做為調整影響地價區域 因素之參考，在影響住宅用地區域因素評價基準表中，公共建設主要 項下，接近服務性設施的程度（郵局、銀行、醫院、機關等設施）最 高調整百分比為 6%，與實證結果相接近，但非單獨列示銀行及缺少數 量程度的調整；在影響商業用地區域因素評價基準表中，工商活動下 須考量金融機構之有無、數量及接近程度，雖有銀行聚集程度的調整，
但僅賦予 4%的最大影響範圍，與實證結果則有出入，建議宜予進一步 深入研究及調整。
後續研究之建議
擴大研究地理範圍
銀行在機能上來看係屬服務性質的設施，在學理上或被歸為公共
‧ 國
立 政 治 大 學
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N a tio na
l C h engchi U ni ve rs it y
驗證銀行聚集與不動產價格之關係是否與台北市辦公商圈相同。
擴大研究變數
本研究以具商業服務機能之銀行為研究變數，試圖尋求合適之商 業聚集替代指標，惟商業聚集不易界定，故建議後續研究可納入郵局、
便利商店、連鎖速食店等變數，驗證其聚集度與不動產價格之關係。
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43(1）: 279-312。
10. 林祖嘉、林素菁，1993，「台灣地區環境品質與公共設施對房價與房租
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