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研究生: 黃天樂
Wong, Tin-Lok
論文名稱: 泰無憂:香港人的泰國退休安養之家
Thailess: Retirement in Thailand for Hongkongers
指導教授: 蔡政憲
Tsai, Cheng-Hsien
口試委員: 蔡政憲
Tsai, Cheng-Hsien
曾毓英
Tzeng, Yu-Ying
黃孝慈
Huang, Hsiao-Tzu
學位類別: 碩士
Master
系所名稱: 商學院 - 國際經營管理英語碩士學位學程(IMBA)
International MBA Program College of Commerce(IMBA)
論文出版年: 2023
畢業學年度: 111
語文別: 英文
論文頁數: 64
中文關鍵詞: 泰國銀髮經濟海外退休海外置業退休簽證
外文關鍵詞: Thailand, Silver economy, Oversea retirement, Oversea property, Retirement visa
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  • In terms of retirement planning, Hongkongers face a number of obstacles. Principal obstacles include an aging population, a high cost of living, limited pension coverage, dependence on property savings, and inadequate government support. Retiring overseas could be the answer to all these problems. This thesis also surveyed 63 Hongkongers regarding their retirement preparations and interest in retiring abroad.
    This business plan also evaluated and compared the living conditions of Thailand with those of Malaysia, the United Kingdom, and Taiwan, where it is easier for Hongkongers to obtain long-term visas. Comparisons are made using secondary data.
    The author plans to establish a company called Thailess, that sells Thai condominiums to Hongkongers and offers retirement visa application services for Thailand. In addition, it is determined to build a community of Hongkongers in Thailand. So that those who choose to retire in Thailand through Thailess can feel at home in a foreign country and settle down tirelessly. Current market information is utilized in financial analyses.
    The reader will have a better understanding of what to expect when retiring in Thailand after reading this thesis.

    1. Thailess - An agency to help Hongkongers to retire in Thailand 1
    1.1. Company name and service overview 1
    1.2. Mission 2
    1.3. Vision 2
    2. Problems that Hongkongers face regarding retirement 3
    2.1. Aging population 3
    2.2. High cost of living 4
    2.3. Limited pension coverage 4
    2.4. Dependence on property savings 5
    2.5. Inadequate government support 6
    3. Visa issues with regarding to retiring oversea 8
    3.1. Malaysia 8
    3.2. The United Kingdom 9
    3.3. Taiwan 10
    3.4. Thailand 11
    3.5. Summary of all four visas 12
    4. Comparison of these options with Hong Kong 14
    4.1. Cost of living 14
    4.1.1. Cost of Living Index (Excl. Rent) 15
    4.1.2. Rent Index 16
    4.2. Property 17
    4.2.1. Property price 17
    4.2.2. Legal restrictions 18
    4.2.3. Inheritance tax for property 19
    4.3. Medical care 20
    4.3.1. Healthcare expenditure 20
    4.3.2. Number of physicians 21
    4.4. Language barrier 22
    4.5. Adjustment to living in Thailand 24
    5. Business Model 26
    5.1. Customer segments 26
    5.2. Value proposition 27
    5.2.1. An affordable oversea retirement option 27
    5.2.2. A Hongkongers community in Thailand 28
    5.2.3. Carefree paperwork 28
    5.2.4. Experience and connection in Thailand 28
    5.3. Channels 29
    5.4. Customer relationships 29
    5.5. Revenue streams 29
    5.6. Key resources 30
    5.7. Key activities 30
    5.7.1. Towards Thai real estate developers 30
    5.7.2. Towards customers 31
    5.8. Key partners 31
    5.9. Cost structure 31
    6. Competitor analysis 32
    6.1. Thai real estate agent in Hong Kong 32
    6.2. Hongkonger community property in Thailand 34
    6.3. Thai firms that assist with visa application 35
    7. Marketing mix 36
    7.1. Product and Services 36
    7.2. Price 36
    7.3. Place 37
    7.4. Promotion 38
    7.4.1. Thai real estate developer 38
    7.4.2. Hongkonger 39
    8. Management and organization structure 40
    9. Financial analyses 42
    9.1. Financial statements 42
    9.1.1. Sales and cost of sales 42
    9.1.2. Operating expenses 47
    9.2. Sensitivity analyses 52
    10. Summary and conclusion 56
    11. References 57
    12. Appendix 60

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