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全球化趨勢之發展下造成經濟趨於一體性，使得各國間之區域疆界模糊化，在全球經濟市場在變化快速而不定之現象下，更加速了訊息交流而逐漸減少了文化多樣性而趨於高同質性。因此，挖掘在地性之特殊風格並將其發揚，成為各級組織在世界經濟體全球化之中尋求差異化之要務。 其中，「風土條件」的演進發展，從中國古代的三才論、風土觀；到日本風土論的人間哲學，以及在文化/ 自然財及社區資產等諸多實踐，結合產業、旅遊成為消費經濟誘因；同時在地球另一端的歐洲，Terroir 此一概念，從最早帶鄙夷之義的「土性」，隨著葡萄的繁盛開展，成為不畏新世界葡萄酒產區大量崛起競爭的最佳籌碼，甚至成為國際葡萄酒經濟的共同準則，並轉化為眾多傳奇食材、精品不凡身 世之象徵。 以上種種脈絡顯示了風土條件不再僅作為一種農業思維或人文哲思，而是早已透過先進國家不斷挖掘論述及多方實踐，深化為擁有絕對或相對優勢的經濟利器，與全球化下之地方城鄉多元發展緊密結合。簡言之，風土條件早已變為風土資本。 因此，若政府政策或企業組織能運用在地特殊之風土資本，並在全球化促使各類產品及服務均質之現象下，反而能藉區域界限模糊、資訊快速傳遞等全球化之便，掌握當地風土特色尋求差異化以進行全球在地化之具體實踐。 由此可知，某一地區所獨有之「風土條件」即促使該地區具特殊性之關鍵要素，將造成無可取代之差異化競爭條件。本研究將先透過對「風土條件」（Terroir）一詞作詮釋，並藉由分析個案以歸納出具體條件，進一步試圖將風土條件資本化並建構創意經濟價值鏈。

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在贓物所有權歸屬問題之下，本文承繼 Rose (2010) 的設定，使用賽局模型分析贓物不適用善意取得 (即無條件歸還原持有者) 及適用善意取得的法律規定，並討論我國實際贓物所有權的制度，並比較三種制度下的參賽者的聯合效用大小。透過本研究可發現，原持有者擁有物品所有權的效用相對較高時，社會上應偏向贓物不適用善意取得較有效率；當潛在買方擁有物品所有權的效用相對較高時，社會上應偏向贓物適用善意取得較有效率。而我國現有制度不管在何種情況之下，皆不是最有效率的，故我國對贓物所有權歸屬的法律從效率面而言有重新檢討之必要。 / This paper which continues the study from Rose (2010) focuses on the question whether a buyer of a stolen good should obtain title to the good if he/she has purchased it in good faith. We use game model to analyze three different regulations - a rule of law where good faith is irrelevant, a rule where good faith may protect an innocent buyer, and the real regulation in Taiwan. Finally, in discussing social utility, we compare efficiency among the three regulations, and reach our conclusion that when the potential buyer’s utilities of having the ownership are higher than the owner’s, a rule of law where good faith is irrelevant is the most efficient. On the contrary, when the potential buyer’s utilities of having the ownership are lower than the original owner’s, a rule where good faith may protect an innocent buyer is the most efficient. Considering efficiency, the regulation in Taiwan is not the best to the society so the government may amend the regulation.

本研究旨在瞭解臺中市國民小學校長空間領導與教師工作滿意度之現況，並分析不同背景變項之教師在知覺校長空間領導與教師工作滿意度之差異情形，且探討兩者之間的關係，最後藉由校長空間領導對教師工作滿意度進行預測。 本研究採調查研究法，共計抽樣46所，發出576份問卷，回收497份有效問卷，問卷有效率達86.28％。資料處理分別以描述性統計、獨立樣本t檢定、單因子變異數分析、皮爾遜積差相關及多元逐步迴歸分析等統計方式進行統計分析。 本研究獲致以下之結論： 一、臺中市國民小學校長空間領導為中高程度，以「校長以空間規劃營造教育情境」之程度最高，「校長以空間規劃建立社區關係」之程度最低。 二、臺中市國民小學教師對教師工作滿意度為中高程度，以「同僚關係」之程度最高，「校長領導」之程度最低。 三、臺中市國民小學教師，因其性別及服務年資之不同，而有不同的校長空間領導感受，以男性與服務年資11-15 年及21 年(含)以上之教師程度較高。 四、臺中市國民小學教師，因其性別、擔任職務及學校規模之不同，而有不同的教師工作滿意度感受，以男性、擔任主任之教師及學校規模13-30班之教師程度較高。 五、臺中市國民小學校長空間領導與教師工作滿意度有顯著正相關，校長空間領導的情形愈佳，教師工作滿意度也愈高。 六、臺中市國民小學校長空間領導對教師工作滿意度具有預測作用，以「校長以空間規劃提升學習效能」的預測力最佳。 最後依據研究結果與結論，提出具體建議，以供教育行政機關、學校校長與教師以及未來研究之參考。

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從1998年透過銀行通路銷售的壽險保單新契約保費市場佔有率僅1.5%，至2005年新契約保費已達2,031億元，市場佔有率更高達37.5%，短短幾年銀行保險業務成長爆發性亦又創下一台灣奇蹟；尤其近三年投資型保險在銀行通路發展迅速，銀行有多種投資型產品，是那些消費者喜歡購買投資型保險?不管在行銷上或是在金融業最重視之消費者滿意度都需大家要去了解，本研究動機在於提出一些看法及解決方式，也是基於實務銷售資料去分析了解消費者長相及滿意度，希望能對往後投資型保險行銷上有些參考價值。 根據本研究銀行分行購買投資型保險分析其客戶屬性: 投資型保險之平均保費與性別、年齡及區域是有差異化且彼此有顯著之交互作用，得到以下結論: 1. 被保險人性別，以女性購買為主，占62.85%。 2. 平均保費約為102.7萬，男生高於女生：109.1萬 > 99.3萬。 3. 被保險人年齡主要購買年齡為40歲至60歲，保費合計占54.94%，50歲以上的平均保費顯著高於整體平均保費，歸因於節遺產稅。 4. 以區域來看，北市的平均保費最高，高雄區最低。 5. 性別、年齡與區域彼此間有顯著的交互作用（p-value0.037＜0.050） 另從投資型保險申購滿意度調查，我們從問卷的各選項中，依照統計方法找出與滿意度有顯著關係的項目，可得到以下結論： 1. 清楚找誰辦理手續：在研究之A銀行，客戶平均資產50萬以上就有專屬的理專服務，所以部份客戶有理專專人服務，ㄧ進分行就知道要找誰購買投資型保險，而有一些客戶沒有專人服務，ㄧ進去分行不知要去找誰，所以推測有可能被帶錯地方找錯人服務，因此可能花費較多的時間，所以「清楚找誰辦理手續」對於整體滿意度有顯著影響。 2. 清楚說明產品相關資訊：現在的消費者重視專業，尤其事涉消費者敏感財產增減，理專可不可以清楚說明產品相關資訊是很重要的。 3. 細心保護客人私人資料：在於A銀行會針對50萬以上的客戶提供ㄧ對ㄧ的服務，其他銷售通路及其他理專不能聯絡客戶，客戶的資料受到保護並不會受到過度及多人銷售之問題。 4. 各項作業處理速度快：現代人普遍耐性較差，對於作業處理速度是判斷專不專業之重要項目，所以節省時間也是影響滿意度的項目之一。 另外我們發現「答應的事都能做好」及「態度良好親切」的平均分數最高，卻對於整體購買滿意度沒有顯著相關，代表即使是服務態度很好，並不會提升消費者購買的滿意度，客戶在意的是專人服務、專業、個人隱私及作業速度快，所以確實在專業財富管理領域中”專業”才是最能勝出之武器。 綜合以上研究，保險公司需要充分了解不同通路特性推出適合的商品，使得投資型保險的客群更廣；保險公司也需與通路一起加強人員投資理財相關專業知識及行銷技能，提高客戶滿意度。 / The First year premium（FYP）in bancassurance channel market share is only 1.5% in 1998. It is NTD 203 billion and the market share is 37.5%. Bancassurance grows fast in the few year and make a Taiwan. Especially unit linked insurance grows fast in bancassurance channel. There are many kinds of unit linked insurance and what kinds of customers prefer to buy them? The purpose of the study is to provide some ideas and solutions based on customers’ profile and satisfaction from analysis of real sales data. We hope that it’s helpful for unit linked insurance marketing. According to the profile of customers who bought unit linked insurance in branches, there are difference among average premium, gender and living area, and there are significant intersection each other. The conclusion is： 1. Gender of the insured：The proportion of female is larger and it’s 62.5%. 2. Average premium is 1,027 thousand, male’s（1,091 thousand） is larger than female’s（99.3 thousand）. 3. The age of the insured is mostly between 40 and 60 years old. Their total premium is about 54.94% of total premium. The average premium of the insured more than 50 years old is significantly larger than the average, and the reason is tax. 4. Living area：The average premium in Taipei is the highest and it’s lowest in Kaoshung. 5. There are significant intersection each other among gender, age and living area. （p-value0.037＜0.050） From customer satisfaction survey in buying unit linked insurance, we use statistics method to find out the significant related items with satisfaction in all items in questionnaire. 1. specific service：In the A bank we surveyed, customers whose average AUM is larger than 500 thousand（called Wealth management customers） have one-to-one financial advisory service. When customers come in a branch, some of them know to contact with their financial advisor, but others do not know. It cost more time in their financial service. 2. clear explanation about products：Customers think that profession is very important now, especially it’s related to their growth of asset. It’s very important if their financial advisors can explain related information about the products. 3. customer data privacy：In the A bank we surveyed, wealth management customers just can be sold product by their specific financial advisor. Other financial advisors or other sales channel can not get their information. 4. speed in operation process：the speed in operation process is the key item to check profession. Saving time in process is the item related to satisfaction. In the other hand, we find out that the average scores of “well done in the bank’s promise” and “friendly” are the highest, but there are no significant related with satisfaction . It means that friendly service can not prove customer satisfaction in purchasing. Customers care about one-to one service, profession, personal privacy and speed in operation. So, “profession” is the key issue is wealth management field. Insurance companies should understand different characteristics for different channel. They can launch suitable products for them to get widely customers in unit linked insurance. They also need to strengthen investment related professional knowledge and sales skill to enhance customer satisfaction with their distributors.

Ubiquitous e-service is one of the most recent links in the chain of evolution that has characterized the different eras of the internetworking environment. In this dissertation, the notion of ambient e-services is defined to identify a new scope of mobile e-services in an ubiquitous environment, addressing dynamic collective efforts between mobile users, dynamic interactions with ambient environments, the moment of value, and low cost provision. We present an ambient e-services framework characterizing three supporting stacks followed by several ambient e-service applications. We propose an ambient e-service environment that explores the promise of exploitation of the collective wisdom of proximal mobile users. In order to leap the trust barrier for the user to embracing these ubiquitous e-services, we propose an Autonomous Trust Model for exploring collective wisdom in the ubiquitous environment (hereafter termed “U-ATM”) as an instance of ASEM. ASEM (Ambient e-Service Embracing Model) addresses the core elements (of relevance to the integrated concern of trust, reputation and privacy) required for assuring such desired features as convenience, safety, fairness and collaboration for mobile users when they engage with ambient e-services. The U-ATM highlights the distributed peer-to-peer interactions under an ad-hoc network composition. It especially accommodates the dynamic short-lived identity characteristics and lightweight computational capacity of mobile devices. The U-ATM we have developed is based on the ZigBee architecture as a collaborative application in the upper layer of the ubiquitous environment. U-ATM design concepts are elaborated and evaluated. A simulation is conducted. Simulation outcomes for trust decision quality enhancement show significant improvement over traditional designs. U-ATM makes it possible for users to collaborate with the nearby user groups for establishing a reliable and trustworthy interaction environment. It also facilitates and empowers the potential benefits of various ubiquitous e-service applications.