本論文旨在藉助理論研究與歐美等先進國家之實證分析，說明於通貨膨脹及快速變遷 的環境下，利率管制無法有效地應因環境的波動，利率自由化遂成為世界之潮流。我 國利率自由化構想的開端，始於民國六十三年，於本文中詳細介紹現階段下，我國利 率自由化之發展經過，進而探討信用評等制度之建立，及金融制度之改革，以期利率 自由化之發展更臻成熟，最後，就以上之內容，針對各項問題，提出改進建議與解決 方案。 壹、前言 貳、利率自由化的意義與功能 參、自由利率與管制利率之比較分析 肆、世界主要國家推行利率自由化的情形－介紹德、英、美等國之情形 伍、我國利率自由化之發展經過 1.各種短期流通工具之發展 2.短期票卷交易市場之建立 3.公開市場之操作 4.貼現窗口之建立 5.銀行同業拆款中心之設立 6.放款利率彈性之加大 7.利率調整方案之公布與實施 陸、我國推動利率自由化初期所產生的影響 柒、利率自由化與信用評等制度之建立 捌、利率自由化輿金融制度之改革 玖、建議與結論

XML (eXtensible Markup Language)已經快速成為網際網路上資料交換的標準，其架構適合用來描述複雜的資料結構並提供XML文件驗證的機制。要交換XML文件，就必須使用綱要語言來制定XML語彙，因而由此衍生出XML綱要設計之問題。在本篇研究中，將研究UML資料模型與XML綱要之間轉換的議題並發展一個可進行雙向轉換的模型。此轉換模型包含二部份，一是從UML資料模型結構轉換為XML綱要結構，一是從XML綱要結構反向轉換為UML資料模型結構；這二個模型將分別探討XML DTD (Data Type Definition)及 W3C XML Schema二個主題，將這二個子模型分別從語法及語意轉換之層面切入進行一連串結構轉換規則之延伸及建立。在XML綱要結構反向轉換為UML資料模型結構之模型中亦包含二個子模型，分別由XML綱要結構建立轉換之規則。我們建立此轉換模型之目的在於使UML資料模型結構及XML綱要結構間之轉換方法更為明確、簡單及容易使用，並透過系統實作來驗證其可行性。 / The (eXtensible Markup Language) XML is fast becoming the standard data exchange across the Internet. It is suitable to describe complex-structured data. It also provides a validation mechanism to validate vocabulary used in the XML document. In order to exchange XML document, XML vocabulary needs to be defined. As a result spread out the issues of XML schema design from here. In the research, UML data model and XML schema transformation issue have been studied to develop a bi-directional mapping and transformation model. We design the bidirectional mapping and transformation model in two parts. One is from UML data model to XML schema; another is from XML Schema to UML data model. Each part has two explored subject, including XML DTD (Data Type Definition) and W3C XML Schema. We develop a sequence of transformation rules from the viewpoints of syntactic and semantic transformation. These are also two parts in the transformation model of mapping from XML schema to UML data model. We develop transformation rules from the viewpoints of generic XML constructs step by step. We build up the transformation model to make transformation method more generic, genuine, systematic, explicit, simple and easy to use. Besides, we implement a transformation editor to validate the bi-directional transformation model.

台灣自1994年首家廠商明基電通投入手機的研發，在1997年第一支自製手機問世，開啟手機產業嶄新的一頁，短短的十年間，成就「 手機代工王國」的美譽，並且在2006年攀上最高峰，手機整體出貨量終於突破1億支（黃建智，2007），全球市佔率也衝上13.8%（葉憶如，2007）。過去十年來，手機廠商的生存契機，主要來自於代工訂單的爭取。而基於各別公司生產策略之不同，自製與外包的程度差異頗大，一直以來釋單較積極的國際大廠只有美商Motorola。 台灣有研發及製造的實力，但是因為廠商過度集中於代工客戶的訂單，在代工大餅沒太大增加，但手機廠商家數直線成長的情況下，部份廠商乃積極轉型發展品牌並加強行銷管理。過去有關手機品牌發展的研究，大多是由競爭策略、整體通路之價值鏈活動等觀點著手，但專注於品牌策略，進行4C交換成本態勢分析之探討者，則尚不多見，因此，本研究乃有其先導性。 本研究以台灣地區的大學生手機市場為研究對象，期望所做研究結果可供台灣手機廠商，做為規劃手機品牌行銷策略之實務參考。本研究經由問卷調查以灰階層統計分析，並將其結果以4C交換成本理論的四個主要變數：外顯單位效益成本、資訊搜尋成本、道德危機成本、專屬陷入成本，進行大學生消費族群之消費偏好分析，並歸納出： 首先，台灣的手機品牌廠商在專利成本高於國際大廠而品牌知名度低於國際大廠的情況下，其「外顯單位效益成本」高。其次， 台灣的手機品牌在市場定位不是很清楚的情況下，它的「資訊搜尋成本」偏高。此外，與品牌歷史悠久的歐美品牌及積極擴張的韓國品牌比起來，台灣的手機品牌在消費者的心中屬於高「道德危機成本」風險的選擇。最後，在專屬資產的建立上面，台灣的手機廠商因為品牌的發展資歷較淺，經驗累積不足，在這一方面的操作略顯不成熟，因此對消費者而言也沒有很高的一般專屬陷入成本。 / In 1994, the first Taiwanese company –BenQ Corporation (former Acer Peripherals)– started the involvement on the research and development of mobile phone, and it was the beginning of the new era of mobile phone industry has been started since the launch of the first “Made in Taiwan” handset in 1997. After one decade, Taiwan became the “ODM Kingdom of mobile phone”, and reaching a historical high on 2006 of the overall shipping volume — 100M units, meanwhile achieved a 13.8% of the global market share. In the pass decade, the survival opportunity of Taiwanese mobile phone maker was from ODM orders。And Motorola was the only among the international brands, which released the ODM orders aggressively. However, as the source of ODM orders is not in an upward trend and the growing number of mobile pone makers are all concentrate on ODM business, as a result that part of makers try to move toward OBM business to look for a bigger room and better development. Most of the researches stood on the views about the OBM development on the competition strategies, value chain activities of the mobile phone channels, etc., but the point on the 4C exchange cost analysis has not been seen much, which is important for this research. This research is expected to provide the result for the practical reference of the branding marketing strategy to the Taiwanese mobile phone makers. This research is been developed by the survey of questionnaire and is been analyzed by Grey Relational Analysis (GRA) and Analytical Hierarchy Process（AHP）, and then through the four primary parameters of the 4C exchange costs, the cost： the external cost on utility, information searches, moral hazard and asset specificity. Finally, following important result have been pointed out: First of all, the patent cost is higher and the brand awareness is lower to the Taiwanese branded mobile phone makers compare to the international branded companies, and as a result of high external cost on utility. Next, due to the market positioning developed by most of the Taiwanese mobile phone makers is unclear; the cost of information searches is obviously high to consumers. In addition, compare to the well know western brands and the aggressive Korean brands, the choice of Taiwanese brands of mobile phone has high risk on morals hazard to consumers. Finally, as a new player for mobile phone branded business, the skill on branding manipulation requires more experiences, and the cost of asset specificity is low for consumers from the Taiwanese mobile phone brands.

過去的三十年間由於評價美式選擇權所產生的自由邊界問題已經有相當的研究成果。本論文將證明自由邊界問題的解為遞增函數。更進一步提出自由邊界凹性的嚴謹証明。利用我們的結論可以得知美式選擇權的最佳履約邊界對時間而言為嚴格遞減的凹函數。這個結果對可用來求導最佳履約邊界的漸近解。 對於美式交換選擇權，我們將其自由邊界問題轉換成單變數的積分方程，同時提供一個永續型美式交換選擇權的評價公式。對於有限時間的美式交換選擇權的最佳履約邊界，我們將提供一個接近到期日的漸近解並發展一個數值方法求其數值解。數值計算的結果顯示漸近解在接近到期日時與數值解非常接近。 對於評價美式選擇權，我們提出使用混合整數非線性規劃(MINLP)的模型，這個模型的最佳解同時提供賣方的完全避險策略、買方的最佳交易策略與美式選擇權的公平價格。因為求算MINLP模型的解需耗用大量的計算時間，我們證明此模型和其非線性規劃的寬鬆問題有相同的最佳解，所以只需求算寬鬆問題即可。觀察數值結果亦顯示非線性規劃的寬鬆問題可以大幅的降低計算的時間。此外，當市場的價格低於公平價格時，我們提出一個最小化賣方期望損失的數學規劃模型，此模型的解提供賣方最小化其期望損失的避險策略。 / In the past three decades, a great deal of effort has been made on solving the free boundary problem (FBP) arising from American option valuation problems. In this dissertation, we show that the solutions, the price and the free boundary, of this FBP are increasing functions. Furthermore, we provide a rigorous verification that the free boundary of this problem is concave. Our results imply that the optimal exercise boundary of an American call is a strictly decreasing concave function of time. These results will provide a useful information to obtain an asymptotic formula for the optimal exercise boundary. For pricing of American exchange options (AEO), we convert the associated FBP into a single variable integral equation (IE) and provide a formula for valuating the perpetual AEO. For the finite horizon AEO, we propose an asymptotic solution as time is near to expiration and develop a numerical method for its optimal exercise boundary. Compared with the computational results, the values of our asymptotic solution are close to the computational results as time is near to expiration. For valuating American options, we develop a mixed integer nonlinear programming (MINLP) model. The solution of the MINLP model provides a hedging portfolio for writers, the optimal trading strategy for buyers, and the fair price for American options at the same time. We show that it can be solved by its nonlinear programming (NLP) relaxation. The numerical results reveal that the use of NLP relaxation reduces the computation time rapidly. Moreover, when the market price is less than the fair price, we propose a minimum expected loss model. The solution of this model provides a hedging strategy that minimizes the expected loss for the writer.

隨著產業環境的改變，製造業的附加價值越來越低，品牌已經是繼品質之後，成為提升產品附加價值之關鍵。也因此，品牌的建立成為台灣產、官、學界十分重視的課題。學術界和實務界對於品牌的建立，與品牌權益的解釋眾多紛紜，然而這些品牌權益模型涵蓋的構面都不太一樣，且品牌權益的建構順序也不相同。本研究目的是整合各品牌權益的模型，建立一個完整而周延的品牌權益構面，並發展有學理基礎的品牌權益建構順序。 本研究收集學術界及實務界普遍在運用的品牌權益模型，以邱志聖（2006）提出的策略行銷分析架構，以及交易成本的觀念為出發點，整合其他的品牌權益建構模型。並且提出「品牌外顯效益」構面，補足策略行銷分析架構在建構品牌權益的不足之處。研究提出品牌權益的構面包含有：上市後外顯單位效益成本、品牌外顯效益、資訊搜尋成本、道德危機成本以及專屬陷入成本。並以Roger（1962）提出的創新決策過程為理論基礎，建立本研究的品牌權益模型建構順序。 本研究提出品牌權益的建構順序，應該是在新品牌上市前，1. 先從降低外顯單位效益成本開始。而新品牌上市之後，2. 應逐步降低買者資訊搜尋成本，3. 建立品牌外顯效益，4. 降低買者道德危機成本，5. 降低買者專屬陷入成本，6. 跟買者建立專屬資產。企業應按照上述順序建立品牌權益，可以讓投入的行銷資源發揮最大的效益。 研究選擇5個不同產業（家具、電腦、鞋、飲料、通訊）的知名品牌（IKEA、Acer、NIKE、可口可樂、NOKIA），收集各知名品牌建立時採行的行銷活動，以本研究建立的品牌權益模型來作分析。研究發現各知名品牌，皆按照本研究提出的建立順序建構品牌，證實本研究提出的品牌權益模型具有廣泛的適用性。

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本篇論文旨在分析神經網路學習績效，並提出一套學習演算法，結合倒傳遞網路(BP)與理解神經網路(RN)，命名為RNBP，這套學習演算法將與傳統的BP做比較，以兩個不同的財務金融領域的應用，一個是選擇權上Black-Scholes訂價模式的模擬，一個是金融交換上利率的預測。主要績效的評估準則是以學習的效率與模擬、預測的準確度為依據。 此外，本論文的另一個重點是提出一套對於神經網路系統進一步分析的方法與工具，敏感度分析(Sensitivity Analysis)與滯留區(Dead Region)分析，藉以瞭解神經網路系統是否具有效地良好學習或被一般化的能力，從神經網路的角度來說，這也是BP與RNBP的另一個績效比較標準。本研究的結果顯示RNBP在預測準確度上較BP為優良，但是在學習效率與預測能力的穩定性上並沒有呈現一致性的結論；此外，敏感度分析與滯留區分析的結果也幫助神經網路在應用領域上有更深入的瞭解。 在過去，神經網路的應用者往往忽略了進一步瞭解神經網路的重要性與可行性，本論文的貢獻在於藉由分析神經網路所學習的知識，幫助應用者進一步瞭解神經網路表達的訊息在應用領域上所隱含的實質意義。 / The study attempts to analyze the learning performance of neural networks in applications, and propose a new learning procedure for the layered feedforward neural network systems, named KNBP, which binds RN and BP learning algorithms. Two artificial neural networks, BP and KNBP, here are both applied to two financial fields, the simulation of Black-Scholes pricing model for the call options and the midrates forecasting in financial swaps. The explicit performance comparison between the two artificial neural network systems is mainly based on two criteria, which are learning efficiency and forecasting effectiveness. Then we propound a mathematical methodology of sensitivity analysis and the dead regions to deeply explore inside the network structures to see whether the models of ANNS are actually well trained or valid, and thus setup an alternative comparable criterion. The results from this study show that RNBP performs better than BP in forecasting effectiveness, but RNBP obtains neither a consistent learning efficiency in cases nor a stable forecasting ability. Furthermore, the sensitivity analysis and the dead region analysis provide a deeper view of the ANNs in the applied fields. In the past, most studies applying neural networks ignored the importance that it is feasible and advantageous to obtain more useful information via analyzing neural networks. The purpose of the research is to help further understanding to the information discovery resulted from neural networks in practical applications.

傳統上，由於受到組織及技術的限制，資訊科技(Information Technology)的應用只局限在單一組織之內。然而，隨著科技、經濟、組織及策略等因素的改變，這種情況已經改觀。 　　在國外有許多成功的個案將資訊科技視為策略性武器，並運用在產業競爭上。也有學者探討電子市場系統（Electronic Marketplaces or Electronic Market System），認為資訊科技也可以充當買賣交易過程中的中介系統(intermediary system)，提供買賣雙方交換價格和產品資訊，降低買方尋找成本，創造經濟價值。 　　本研究主要目的在探討台灣證券市場跨組織資訊系統(Interorganizational System；IOS)之演進、系統的促成與限制因素、系統的網路架構。涵蓋範圍及與業務之間的關聯性、以及系統對台灣證券市場之影響。研究結果發現，有十項因素促成台灣證券市場IOS成長：(1).組織變革；(2).技術能力；(3).成功經驗；(4).不斷創新；(5).經濟效益；(6).跨組織效率；(7).競爭優勢；(8).市場安全；(9).作業流程標準化；(10).政府參與。另外有二項因素限制IOS的成長:(1).系統整合；(2).電腦相關成本。IOS對台灣證券市場的影響可以從四個構面分析：(1).國家經濟；(2).產業；(3).組織；(4).投資人。本研究最後建議台灣證券市場應去除限制IOS成長的因素，並朝三個方向努力：(1).進行產業合作，建立資訊聯盟(Information Alliance)；(2).擴充系統網路範圍，加強規模經濟、範疇經濟（Economies of Scale and Scope）及網路外部性(Network Externalities)；(3).建立證券、金融業EDI，達到無紙化作業。

本研究主要目在於針對教師組織公民行為構念的界定作進一步的釐清並結合社會交換理論、人格理論、工作內在動機、印象管理動機、以及組織文化等觀點，提出以校長與教師交換關係、教師自我監控與工作投入為個人層次預測變項，個人/集體主義為團體層次預測變項之教師組織公民行為前置因素之跨層次模式，再透過階層線性模式方法分析以探討這些前置變項對教師組織公民行為之影響以及他們之間的關係。研究採用調查研究法，以台北市37所公立國民中學教師為對象，發出925 份問卷，最後回收736份有效問卷，有效問卷回收率則為79.57％。本研究主要研究發現為: (一)教師組織公民行為應視為一個聚合模式多層面構念；(二)教師工作投入為相對最重要教師組織公民行為前置因素；(三)人格特質對教師組織公民行為的影響主要是間接透過工作投入的中介效果；(四)不同類型組織公民行為的前置因素以及效果互有差異。 / The main purpose of current study was to revisit the construct validity issues of organisational citizenship behavior and to investigate the dynamics of teachers’ organizational citizenship behavior antecedents. Based on theories of social exchange, personality, job intrinsic motivation, impression management and organizational culture, a multi-level model of teahers’ organizational citizenship behavior antecedents was proposed where leader-member exchange, self-monitering and job involvement serve as individual level antecedents, individualistic/collectivism as school level antecedent and teachers’ organizational behavior as outcome variable at individual level. Valid data was collected from 34 public junior higher schools and 736 teachers in Taipei city. The main findings can be summarised as follows: (1) teacher organizational citizenship behavior should be treated as a aggregated model multidimensional construct; (2) Relatively teachers’ job involvement is the strongest antecedent for three dimensions of OCB; (3) the effect of teachers’ conscientiousness on OCB is mediated by teachers’ job involvement; (4) the antecedents included in current study have varied significant or insignificant effects on three dimensions of teachers’ OCB.

旅遊業為我國未來產業發展的重點之一，再加上團體套裝旅遊一直是亞洲國家中最普遍及最受觀迎的旅遊型態之一，我國2009年的團體套裝旅遊比例即佔了35.6%。其中，領隊人員可以說是團體套裝旅遊的重要元素，不僅影響著該次旅遊品質的好壞，領隊也可藉由專業的服務取得旅客的信任，而獲得後續帶團的機會；是以，由於我國過去旅行社設立門檻不高，加上領隊掌握一定旅客數，不少領隊帶槍投靠或自立門戶，造成旅行業良莠不齊、競爭激烈。 因此，本研究欲探討現行旅行社對於領隊的管理模式，運用交易成本理論及4C交換成本理論架構，剖析旅行社、領隊與團體旅遊消費者間三方交換之關係，並對於旅行社提出適當的領隊管理建議，期盼能對於旅行產業的市場紊亂情形有所助益。而由於本研究議題過去缺乏學術研究成果且未被有系統的討論，故採用質性研究及深度訪談做為本論文的研究方法。 研究結果得知，透過訪談資料的整理與分析，歸納出兩種現行的領隊管理模式。管理模式1：旅行社著重於處理與消費者間的4C關係，並設法阻礙領隊與消費者間4C關係的建立，使消費者購買團體旅遊產品是出自於旅行社本身，而非領隊；管理模式2：旅行社與領隊共生共榮，在旅行社與消費者的交換關係方面，旅行社著重於產品的外顯單位效益成本；而在旅行社與領隊的交換關係方面，旅行社運用4C的處理得宜，維繫優秀的領隊，鞏固銷售。 本研究以4C交換成本理論，歸納出兩種領隊管理模式，建議後續研究者可針對旅行社背景，探討何種領隊管理模式對其最有利；另外，針對國內網路時代的盛行，有業者引進國外居家旅遊商業模式H.B.T.A.(Home Based Travel Agents)，類似於本研究所提出的管理模式2，後續研究者也可針對此議題進行深入探討。 / Travel industry will be one of the most promising industries in Taiwan; in addition, Group Package Tour is one of the most popular traveling types in Asian countries. In 2009, the percent of Group Package Tour in Taiwan is highly 35.6%. Especially, Tour leader (or tour escort) is the critical element of Group Package Tour.He (or she) can not only influence on the quality of travel, but also can get customers’ trust and the chances of business by professional service. Therefore, because of the low entry barrier of Travel industry and tour leader holding up some customers, lots of tour leaders job-hop or build up their own business. It makes travel industry highly competitive. For this reason, this study wants to use the Transaction Cost Theory and 4C Exchange Cost Theory to discuss current tour leader’s management model, and analyze the exchange relationship among travel agent, tour leader and Group Package Tour customer. Finally, this study wants to propose management recommendations for travel agents. However, this topic was less discussed in the past, so that this study uses qualitative research and in-depth interview as the research method. According to the research result, this study generalizes two kinds of tour leader’s management model. Model 1: Travel agents focus on the 4C relationship with consumers, and manage to hinder the 4C relationship between tour leader and consumer; Model 2: Travel agents cooperate with tour leader. Between travel agent and consumer, travel agents focus on C1. Between travel agent and tour leader, travel agents focus on the 4C relationship for holding up excellent tour leaders. For future research, this study suggests to discuss what travel agent background can benefit from two kinds of tour leader’s management model, or discuss H.B.T.A. (Home Based Travel Agents) deeply.