根據內政部不動產資訊平台統計，台灣的房價所得比已經到了難以負荷的程度，如此高昂的房價已讓大部分民眾難以負擔。隨著區塊鏈技術的出現，相關的高房價解決方案相繼被提出，過去有研究已有使用區塊鏈來進行另類房地產拍賣平台的架構開發，但是公有區塊鏈的區塊新建速度緩慢、交易手續費高昂且公有區塊鏈貨幣價值浮動等特性並不適合商業應用。
由文獻回顧可以發現，雖然區塊鏈的應用範圍廣且區塊鏈技術有各種不同的種類，但現今對於區塊鏈的研究多著重在架構發展以及公有測試鏈的實際測試，對於私有區塊鏈的開發研究與應用研究相對不多，私有區塊鏈的特性非常適合資料儲存以及追求交易速度的商業應用，私有區塊鏈擁有高交易速度和隱私性的概念被認為可以將智能合約付諸應用，因此我們有望能夠透過私有區塊鏈進行平台的開發，讓平台能夠真正上線。
本研究將會先解析公有區塊鏈房地產拍賣平台的問題，接著研究如何提出私有區塊鏈的平台解決方案，包括使用智能合約發行平台代幣來達到穩定拍賣平台代幣值、提出產權私有鏈與信用評分私有鏈應用的框架等，讓房屋拍賣的過程中可以進行即時的房屋貸款，透過包含了共享經濟和循環經濟概念的另類交易機制，給予拍賣場內的每個角色參與動機與獲利規則，可以活絡房地產之買氣，透過區塊鏈來執行這些交易規則可以讓眾人信任且無須一個公正第三方來主持交易，每個人都可以在家中透過私有區塊鏈網路進行投標、快速貸款來完成購屋的需求。
本研究將開發出一個實測可運作的私有區塊鏈拍賣平台並以物品拍賣實測作為案例驗證，除了證實私有區塊鏈在應用面上的可行性之外，也能驗證另類的拍賣規則設計是否可以讓所有角色都受益。在確認私有區塊鏈拍賣平台的功能運作皆順利後，將進行房地產拍賣的模擬，將賣場設置參數都放大到房地產交易的規模，並藉此模擬拍賣平台正式上線後的效益，以及得標者進行貸款對效益的影響。
綜上所述，若是將套用共享經濟和循環經濟概念的另類拍賣規則設計，並透過私有區塊鏈技術開發房地產拍賣平台，並透過私有區塊鏈的特性提出一個鏈上房屋貸款的架構，就可以增加未來區塊鏈房地產拍賣平台實現的可能性，民眾將能夠順利以較低的成本購置房屋，突破高房價的困境。

According to statistics from the Real Estate Information Platform of the Ministry of the Interior, the Price to Income Ratio in Taiwan has reached an unbearable degree, and such high housing prices have become unaffordable for most people. With the advent of blockchain technology, related solutions to high housing prices have been proposed. In the past, there have been studies on the use of blockchain to develop alternative real estate auction platforms. However, features like the slow speed of creating a new block of public blockchains, high transaction fees, and the floating currency value of public blockchains are not suitable for commercial applications.
This research begins with the analysis of the problems of public blockchain real estate auction platform, then studies on how to propose platform solutions for private blockchains, including the use of smart contracts to issue the ERC20 tokens to stabilize the transaction currency value and the proposal of a framework for the application of the private blockchain of property rights and credit scoring to enable real-time housing loans during the housing auction process. This kind of transaction mechanism using the concept of sharing economy and circular economy motivates every person involved in the auction to participate and generates a fixed profit model to stimulate housing markets. The mechanism above is executed by the blockchain to gain public trust and is workable without a fair third party to preside over the transaction.
In summary, based on the alternative auction rules designed with the concept of sharing economy and circular economy, coupled with the development of a real estate auction platform with private blockchain technology and the features of the private blockchain, a blockchain-based housing loan framework can be proposed. This framework can increase the possibility of the realization of the blockchain real estate auction platform in the future, allowing people to purchase houses smoothly at a lower cost, which breaks through the dilemma of high housing prices.

Aleryani, A. Y. “Comparative study between data flow diagram and use case diagram.” International Journal of Scientific and Research Publications, 6(3), 124–126, 2016.
Ba, S., Whinston, A. B., & Zhang, H. “Building trust in online auction markets through an economic incentive mechanism.” Decision Support Systems, 35(3), 273–286, 2003.
Back, A., Corallo, M., Dashjr, L., Friedenbach, M., Maxwell, G., Miller, A., Poelstra, A., Timón, J., & Wuille, P. “Enabling blockchain innovations with pegged sidechains.”, 2014, Available:http://www. Opensciencereview. Com/Papers/123/Enablingblockchain-Innovations-with-Pegged-Sidechains, 72.
Bogner, A., Chanson, M., & Meeuw, A. “A decentralised sharing app running a smart contract on the ethereum blockchain.” Proceedings of the 6th International Conference on the Internet of Things, 177–178, 2016.
Chen, Yi-Hui, Huang, Li-Chin, Lin, Iuon-Chang, Hwang, Min-Shiang. “Research on blockchain technologies in bidding systems”, International Journal of Network Security, 2020.
Coccia, M. “The Fishbone diagram to identify, systematize and analyze the sources of general purpose Technologies.” Journal of Social and Administrative Sciences, 4(4), 291–303, 2018.
Czechowska, K. “Level of foreign direct investments and transparency of polish and global real estate market.” Real Estate Management and Valuation, 21(2), 22–28, 2013.
DEMOGRAPHIA. “DEMOGRAPHIA INTERNATIONAL HOUSING AFFORDABILITY 2021 EDITION.”, 2021.
Fernandes, J. M., Tjell, S., Jorgensen, J. B., & Ribeiro, Ó. “Designing tool support for translating use cases and uml 2.0 sequence diagrams into a coloured petri net.” Sixth International Workshop on Scenarios and State Machines (SCESM’07: ICSE Workshops 2007) , 2007.
Ilie, G., & Ciocoiu, C. N. “Application of fishbone diagram to determine the risk of an event with multiple causes.” Management Research and Practice, 2(1), 1–20, 2010.
Kwak, K. H., Kong, J. T., Cho, S. I., Phuong, H. T., & Gim, G. Y. “A study on the design of efficient private blockchain.” International Conference on Computational Science/Intelligence & Applied Informatics, 93–121, 2018.
Michael, N., Peter, G., Oliver, H., & Dirk, S. “Blockchain.” Business & Information Systems Engineering, 59, 183–187, 2017.
Mozley, M., Pelfrey, B., Pelfrey, J., Ames, D., Fisher, T., & Reed, C. “System and method for providing an auction of real estate.” Google Patents, 2011.
Nakamoto, S., & Bitcoin, A. “A peer-to-peer electronic cash system.” Bitcoin, 2008, Avaliable:https://Bitcoin. Org/Bitcoin
Nielsen, C. P., da Silva, E. R., & Yu, F. “Digital Twins and Blockchain–Proof of Concept.” Procedia CIRP, 93, 251–255, 2020.
Patil, M. “Land Registry on Blockchain.” , 2020.
PK Kannan, P. K. K. “Dynamic pricing on the Internet: Importance and implications for consumer behavior.” International Journal of Electronic Commerce, 5(3), 63–83, 2001.
Pongnumkul, S., Siripanpornchana, C., & Thajchayapong, S. “Performance analysis of private blockchain platforms in varying workloads.” 2017 26th International Conference on Computer Communication and Networks (ICCCN), 1–6, 2017.
Somin, S., Gordon, G., & Altshuler, Y. “Network analysis of erc20 tokens trading on ethereum blockchain.” International Conference on Complex Systems, 439–450, 2018.
Szabo, N. “Formalizing and securing relationships on public networks.” First Monday, 1997.
Vickrey, W. “Counterspeculation, auctions, and competitive sealed tenders.” The Journal of Finance, 16(1), 8–37, 1961.
Zheng, Z., Xie, S., Dai, H., Chen, X., & Wang, H. “An overview of blockchain technology: Architecture, consensus, and future trends.” 2017 IEEE International Congress on Big Data (BigData Congress), 557–564, 2017.
中國互聯網絡信息中心，第46次《中國互聯網絡發展狀況統計報告》，2020。
內政部不動產資訊平台，109年第2季房價負擔能力指標統計成果，2020。
林亞蓁，應用區塊鏈技術開發另類房地產交易平台，成功大學土木工程學系學位論文，頁 1-101，2020。
金融聯合資訊中心，個人信用評分簡介, Available: https://www.jcic.org.tw/main_ch/docDetail.aspx?uid=1553&pid=74&docid=627
金融聯合徵信中心，個人房屋貸款狀況統計趨勢資料，2020。
張忠濱,劉岩松，部分鏈技術在徵信業的應用實踐及展望，2017。
陳怡安，建構另類房地產交易平台架構-以區塊鏈技術為分析基礎，成功大學土木工程學系學位論文，頁 1-106，2020。
琚春華,鄒江波,傅小康，融入區塊鏈技術的大數據徵信平臺的設計與應用研究，計算機科學，45（11A），頁522-526, 552，2018。
葉文輝，大數據徵信機構的運作模式及監管對策——以阿里巴巴芝麻信用為例，新金融，2015。
謝明瑞，奢侈稅與房價政策之檢討，國家政策研究基金會，2012。
鍾經樊,黃嘉龍,黃博怡,謝有隆，台灣地區企業信用評分系統的建置、驗證和比較，經濟論文，34（4），頁541-590，2006。
羅鈺珊，分散式帳本與區塊鏈的應用現況與挑戰，經濟前瞻(173)，頁79-84，2017。