冷戰結束，世界各強均著手從事各項軍事變革，中共也不例外效尤美國，引進新知，進行所謂「新軍事革命」，更以「信息戰」為其核心。本論文以「科際整合途徑」為起點，在研究方法上採取「歷史研究法」、「比較法」、「文獻分析法」進行研究。 首先，籍資料蒐集，對資訊戰認識其基本內涵、定義、理論核心、特徵等，對資訊戰的基本概念做簡要的敘述。 其次，針對中共信息戰的作戰樣（方）式，包括指揮控制戰、信息情報戰、信息電子戰、信息網路戰、信息精確（準）戰、信息心理戰等六種作戰方式與信息戰的關係，做深入的闡釋，以瞭解中共信息戰的整體架構。 再就西方對中共「信息戰」評估觀點，以「MCTL」模式，針對中共軍事理論、軍事工業、信息戰關鍵系統等方面能力，做有系統的比較分析，以探索中共信息戰實際能力與成效，進而預測其攻擊潛力。 最後，探討中共發動信息戰攻擊，對台海安全的威脅與影響，以及早預防與妥覓因應之道，並報告個人心得、見解與發現，提出建議。 關鍵詞：信息戰、信息作戰 / The military affairs change that have transformed global politics in recent years, especially at end of the Cold War have brought about a new military revolution, the Revolution in Military Affairs (RMA) lead by the U.S.A. The Peoples Republic of China (PRC) has begun to study RMA through its focus on Information Warfare under high technological' conditions. The issue of Information Warfare (IW) has been discussed for years. This thesis is undertaken with interdisciplinary approach, historical method and documentary analysis method to explore the development and capability of the PLA in information warfare. At first, the thesis explained the definition, connotation, Theory of nucleus and characteristic of information warfare that includes Taiwan, U. S. Army, and Chinese PLA. Next, the thesis explored six information warfare styles of the PLA, applications in Persian Gulf and Kosovo war. Additionally, using Military Critical Technology List (MCTL) Model to evaluate the PLA information warfare level, preparations, and capabilities, military doctrines, military key-technology and industries in the twenty-first century. The operative issue is not whether the PLA is seeking to master high-tech warfare but how much progress it is making. Finally, author analyzed China s information warfare attack-capability, influence and threaten to Taiwan national-security aswell as it is the deduction of areasonable and practicable strategy. The author has been making some suggestion of information warfare and strategies development. Keywords: Information Warfare Information Operation

隋唐時代的朝集使，是在秦漢上計的脈絡下發展而來。上計制度起初帶有「述職」的意味，地方將諸項統計資料上報官方，接受考核，官方藉此檢驗官員一年來的工作表現。隋文帝結束魏晉以來中國分裂的局面，建立一統政權。隋文帝改革上計，創建了朝集制度。朝集使由地方長官充使入京，展現中央對於地方的直接支配，也反映中央對地方的重視，帝國境內的每一吋土地都納入朝廷的統治之下。上計吏的工作也一分為二，戶籍與計帳由計帳使在年初攜帶入京，朝集使帶著考課與其他資料於年底入京，參加元會。唐代朝集使攜帶的簿冊，有考課、刑獄、捉錢品子名、官畜私馬與官船帳，以及僧尼身死還俗帳等，當中牽涉到官僚考績、司法運行、財政收入、運輸體系和特殊身份者優待事項，無一不是國家統治大項。朝廷透過朝集使的簿冊，掌握天下概況。朝集使提供的信息，除了有形簿冊之外，他對地方風俗的瞭解、對國家政策的看法，亦為朝廷採用。朝集使多由都督、刺史所任，兼具地方官的身份，朝集使群聚的場合，可作為天下的代表，唐代帝王在新君登基之時，召集朝集使，有展現皇權之效；武則天掌權時屢次利用朝集使，亦是仿此。 朝集使承襲了上計制度中，帶著貢士與貢物進京的傳統，展現國家對地方的統治力與統治範圍。唐代元會雖已不具更新君臣關係的功能，但在參與者的位次上，京官、朝集使、外藩的排序，為中國的天下觀的實際表現。唐代的諸多使職當中，唯有朝集使會參與多項國家禮儀，顯示其特殊性。朝集使參與的國家祭祀，絕大多數都是皇帝曾親祭過的、與皇權密切相關的儀式。唐代朝集使受到安史之亂的影響，暫停了二十五年，到德宗朝曾短暫恢復，但丕變的局勢，已不適合朝集使的運作。採訪使轉為觀察使，統領地方大權，刺史不再是中央與地方之間的連接點，考課權、送貢士入京也由觀察使負責。中晚唐信息傳遞的管道，由新起的進奏院來溝通上下。進奏院是在肅、代二帝因時興起的機構，最初是為藩鎮服務。進奏院與朝集使曾一度並存，但二者沒有繼承關係，朝集使的業務也沒有被進奏院接手。

中共戰略思維的形成，主要依據國際情勢、戰略環境、戰爭、科技等客觀情勢變化，以及當時國家領導人對客觀環境的主觀認知，其中包括戰略文化、個人特質、求學背景等因素。檢視中共不同時期的國防軍事戰略考量，自毛澤東「早打、大打、打核子戰」、鄧小平「打贏一場局部戰爭」、江澤民「打贏高技術條件下的局部戰爭」、胡錦濤「信息條件下的局部戰爭」，至習近平的「召之即來、來之能戰、戰之必勝」，展現中共軍事戰略戰法轉變。本文將從比較習近平與毛澤東、鄧小平、江澤民、胡錦濤軍事戰略發展，並納入當前國際環境影響因素，針對習近平「強軍夢」的重要組成進行分析，進而歸納出當前中共國家領導人的軍事戰略思維，作為未來推測其面臨重大轉折與挑戰之決策走向依據。 / The formation of the CCP strategic thinking, mainly based on the international situation, the strategic environment, war, science and technology and other objective circumstances change, and then national leaders subjective perception of the objective environment, including strategic culture, personal qualities, education background and other factors. View defense and military strategic considerations Communist different periods, since Mao Zedong's “early fight, big fight, fight a nuclear war,” Deng Xiaoping “win a local war,” Jiang Zemin “to win local wars under high-tech conditions,” Hu ”to win local wars under information conditions“, Xi Jinping “be ready to fight, win the war“, all these shows Chinese military strategy tactics change. This paper will compare Xi Jinping and Mao Zedong, Deng Xiaoping, Jiang Zemin and Hu Jintao, military strategy development, and including international factors such as the current environment to further analysis of Xi Jinping’s “Strong Army Dream.” Then, summarize the current military strategic thinking “Strong Army Stream” of the Communist state leader as reference for further prediction of China military development.

「存在句」普遍的存在人類的語言之中，華語存在句主要有兩種語序「處所＋動詞＋人/事物」如例 (1)；「人/事物＋動詞＋處所」如例 (2)。 　　 (1) 桌子上有書。 (2) 書在桌子上。 「在」字句的主語屬於「有定」或「有指」的「人/事物」，而「有」字句只能帶「無定」的「人/事物」作賓語。華語語言學家通常將「有」字句稱為「存現句」表示「某處存在某事物」，或者表示「位於某處所的事物的出現或者消失」。在語法形式上表示處所的名詞出現在存現句的句首，而表示存在、出現、消失的人或事物的名詞組出現在動詞後。從語言學習角度來說，華語的「存現句」對於外籍生是一個較為陌生的結構。本文從功能語法角度分析華語的「存現句」。以「認知分析」、「引介功能」、「傳達信息」、「焦點」、「主題」、「有定到無定」、「名詞的定性」為理論架構而處理存現句的形成與結構。 韓語沒有對應於華語存現句的句型，表示存在的動詞「在、有、是」都翻譯成韓語「있다(itta)」，使用助詞「著」的存現句翻譯成「V+아/어/여(ɑ/ə/yeo) 있다(itta)」。韓語存在句的基本語序為「處所詞組＋名詞組＋存在動詞」，例如： (3) 산 에 나무 가 있다.　(山上有樹。) San e namu ga itta. 山 在 樹 有 本論文探討韓語存在句如何表現主題、焦點、定性，如何傳達信息而進行與華語存在句的對比分析。此外，從功能的角度提供適當的教學策略，並且針對韓籍學生設計存現句語法課程而應用在實際教學上，藉此探討功能語法在教學上應用的可行性。 / Existential Sentences generally exist in human languages. There are two kinds of word orders of Existential Sentences in Mandarin: locations+verbs+people/things(Example 1); people/things+verbs+locations(Example 2). Example 1: Zhuozi shang you shu. (桌子上有書。) Example 2: Shu zai zhuozi shang. (書在桌子上。) 　Subject of Example 2 is definite people/things; however, Example 1 can only use indefinite people/things as its object. Example 1 is generally considered as Existential Sentence. Mandarin Existential Sentence is an unfamiliar structure for students learning Mandarin as a foreign language. This thesis analyzes Mandarin Existential Sentence from the perspective of Functional Grammar. Topics covered in the discussion of Mandarin Existential Sentence include cognitive perception of space, presentative function, information packaging, focus, topic and definiteness. There is no corresponding Mandarin Existential Sentence in Korean. Verbs meaning “zai ‘to be at’(在), you ‘to have’(有), shi ‘to be’(是)” are translated to 있다(itta) ‘be, have’ in Korean. This thesis discusses how Existential Sentences express their topic, focus, definiteness and information in Korean. This thesis also provides suggestions for teaching Mandarin Existential Sentence to Korean students and discusses the feasibility of Functional Grammar in teaching .

自九十年代初期起，台商在中國大陸投資急速增加，產業投資方向也由傳統產業逐步移往資訊科技產業。而中國大陸產業實力在改革開放後不斷增強，一方面由於中共政策的鼓勵以及廣大中國大陸市場的吸引力；一方面主要中國大陸擁有低廉的生產要素，可降低生產成本，維持國際市場價格競爭力。因此吸引台商到中國大陸投資，並與當地廠商合作以進行兩岸全球分工及合作的佈局；但中國大陸在取得研發及專業技術使產業實力加強後，卻也逐漸成為台灣廠商在中國大陸及國際市場上的競爭對手。而台商在大陸投資的產業，主要是製造業，其次是服務業，農業較少。製造業之中主要包括電子電器業、基本金屬及其製品、食品及飲料、塑膠製品、化學品製造等產業，其中電子電器業投資金額居各業之首，其佔台商在中國大陸投資總額的比重將近23%。 中國大陸在「科技興國」的政策下，傾全國之力發展高科技產業，除了採用市場經濟的各種手段如：租稅優惠、低利融資、設立中小企業技術創新基金外，並模仿台灣新竹科學園區的模式，在中國大陸廣設高新技術開發區並重視知識經濟，著重高新技術的產業化與創新能力，中國大陸高科技產業的發展得力於外國資金與技術之處甚大，尤以資訊、通訊、半導體等以資訊科技為主產業為然。 台灣資訊科技產業赴中國大陸投資，自1980年代後期起逐漸增多， 到了1990年代中期，上市（櫃）電子業廠商赴中國大陸投資的情形愈來愈普遍，而對台灣經濟成長貢獻最大的資訊科技產業一旦大量轉移至海外，是否會危及未來台灣經濟永續成長。台灣IT產業早期到中國大陸投資，尤其是電子及零組件、電腦及周邊產品等IY產業主要是為了降低生產成本，提高國際競爭力；現階段投資的動機，主要則是需求面因素，一旦中國大陸當地市場變大時，就必須前往投資設廠，以接近客戶，否則將難以佔有當地市場，喪失發展機會。因此便與中國大陸的IT產業產生了既競爭又合作的關係，一方面台灣公司會利用既有的產業網絡，在台灣進行產品設計研發，採購所需的機器設備和原材料、半成品等。而利用中國大陸當地廉價的人力及水電等資源加工，然後將生產的成品或半成品回銷台灣，因而使得兩岸的垂直分工合作緊密。 惟中國大陸的IT產業擁有廣大的潛在市場需求、人力、土地、原材料、基礎技術、與政府支援等優勢，加上外資的大幅度加碼。又對台灣的IT產業形成威脅。 本文將針對資訊科技產業，參考競合理論和產業分工、整合的概念，探討台商投資與兩岸產業競合現況及其未來展望，全文結構除前言與結論之外，首先將專述中國大陸資訊科技產業發展、策略總體分析；其次專論兩岸資訊科技產業的互動與競合；最後做相關問卷的實證分析並對政府與產業界提出將來可能面對的問題與應對之到。 / At the early 90s’, the Taiwanese investors have been rapidly imposing more investment on Mainland China. Therefore, the result has attracted increasingly Taiwanese investors and then they co-work with the local companies to launch globalized co-operation. On the other hand, the companies of Mainland China has been accumulating increasing strength at IT industry after they acquire skilled technologies and development of research. This paper analyzes co-opetition and competition tendency to Information Technology industry between Taiwan and Mainland China. It adopts Co-operation Theory, Vertical Integration and Vertical Dis-integration and discusses the actualities of IT industry and prospection between two sides. First of all, this paper explores a macro analysis of development of IT industry at Mainland China. Second, it probes the interaction and competition of IT industry between two sides. Last, it conducts a relative poll that stems originally from Chung-Hua Institution for Economic Research and then addresses problems that we might encounter in the future. The focal points of the research includes: (1)Analysis of the actualities of Information Technology development at Mainland China. a.Policy of China’s Information Technology b.Why China’s IT policy induces to foreign companies c.Brief introduction to science district at Mainland China d.Prospect of IT development at Mainland China (2)Interaction and co-opetition of IT industry between Taiwan and Mainland China. a.Advantages and disadvantages of IT industry between two sides. b.The existing situation and analysis of co-opetition between two sides. c.Brief introduction to division of labor of IT industry at Mainland China and the feasibility. (3)Analysis of the outcome to the poll. (4)Challenges of IT industry that Taiwan may face and the solutions to this problems.

中共自上一世紀90年代後期迄今，頻密改革兵役制度，及頒布各式相關改革兵役制度的行政命令。本文旨在以現實主義的理論，透過軍事變革的研究途逕，探討1990年代以來美國新軍事變革對中共兵役制度的衝擊。 自從美國在1990年第一次波灣戰爭中展示其新軍事變革之初步成果，向世人揭示信息化的戰爭形態以來，世界各先進國家紛紛跟進。由於此波變革起源於信息科技導入戰爭作為，各項武器裝備、戰鬥方式的科技含量提高，因此實施變革的部隊較過去需要更多具高教育水準人員，來進行專業要求高的軍事操作；而這些部隊為減少同樣的教育訓練一再重複實施，亦多設法延長這些具專業技能的基層人員留營時間。基此，多數從事軍事變革國家改採募兵制，以滿足提高基層高素質人員比例和延長前述人員留營時間的建軍需要。 中共基於國家安全的考量，亦於1993年宣示開展軍事變革，並且為此積極進行軍事人才培養；惟在實施變革過程中，中共也曾透露，其每年例行的徵兵工作存在高素質新兵徵集困難問題，現行制度亦難以為部隊傳承重要經驗，影響軍事變革的實施；然而，何以中共未如其他多數實施軍事變革的國家一般，改採募兵制，而堅持在現有的兵役制度基礎上進行徵兵改革？ 本論文認為，雖然中共的新軍事變革係取法美國，且亦如其他先進國家般，由於實施新軍事變革，需要更多具有高教育水準的青年進入部隊；然而以中共現行兵役制度觀之，其並不需要實施募兵制，主要原因在於，中共之兵役制度係依其國情特色制定之，雖異於其他國家，但具募兵制之特性，有利於組建高素質之部隊。上述假設命題，可以進一步解析為下列邏輯相關的子命題： 一、美國新軍事變革令中共瞭解，如再不加緊軍事現代化腳步，其軍事力量將與其他國家存在時代差，無法支撐其國際地位；加以美國自蘇聯解體後，多次對外提出中國為其潛在競爭對手之說法，對中共國家安全形成壓力，故而激發中共實施新軍事變革。 二、此波新軍事變革的主要內容是信息化。由於部隊歷經新軍事變革之後，其各項專業職務之科技含量提高，需要更多高教育水準之青年投入部隊接受專業訓練，並進行技術傳承，此一變化對原有兵役制度造成衝擊，故迫使中共修改兵役制度，以吸收更多高素質青年投入軍旅，成為保留軍隊經驗的技術骨幹。 三、中共的義務役士兵徵召方式，有別於我國的義務役兵役制度，其在士兵徵選上，含有嚴謹的淘汰制度，有助解放軍選擇合乎需求的人員進入軍隊；同時，士官選拔制度亦有利將熟於軍事技能的義務役士兵長時間的留在部隊。因此，可以說，中共的兵役制度實際上具有募兵制的特點，既可為部隊篩選優秀的人才進入部隊，亦有將人才留在部隊長期發展的功能。 / The P. R. C. has frequently reformed the national military service since the late 90s of last century, and promulgated executive orders for all kinds of national military service reform. This purpose of this study is aimed at exploring the impact of the new transformation of military affairs in the United States since the 1990s on the P.R.C. military service system in terms of realist theories and the military transformation approach. Since the First Persian Gulf War in 1990, the United States has shown preliminary results of its new transformation in military affairs to reveal the war formula of information technology to the world, and the advanced countries in the world have followed suit. This wave of changes originated in information technology integrated into the war as various weapons and military equipment and combat approaches, to improve the technological content. The implementation of military transformation needs more well-trained personnel to carry out the high standard of professional requirements of military operations than before, and these troops will also try to extend the service term for well-trained staffs to stay in the military service in order to reduce repeated implementation of same training courses. Based on this situation, most countries implemented the military transformation to the enlistment system to meet the requirement for primary proportion increases of highly trained personnel and extension of service term of the aforementioned personnel to stay. Based on the considerations of national security, the P. R. C. has declared to carry out transformation in military affairs in 1993, and to achieve this goal the P. R. C. has actively implemented military personnel training; while in the process of implementing military transformation, the P. R. C. has revealed difficulties in its annual military new personnel recruitment work for recruiting high-quality personnel. The current system can hardly let the troops pass on important experiences and therefore interferes with the implementation of the transformation in military affairs; however, why did the P. R.C., unlike most other countries, not conduct military transformation to change to the enlistment system, but insisted on the conscription reform of the existing system of military service? In this study, it argues that although the P. R. C. military transformation was learned from the United States, and just like all other advanced countries that implemented the new military transformation, the P. R. C. required more highly educated young people to enter service; however, the concept of the existing military service system in the P. R. C. does not require the implementation of the volunteer military service, mainly because the P. R. C. military service system is designed according to their national conditions and characteristics. Although different from other countries, this system has the characteristics of a volunteer military service, which is conducive to the formation of high-quality troops. The proposition of the above assumptions can be analyzed into sub-propositions for the following logic: 1.The new U.S. military transformation has led the P. R. C. to understand that if they do not step up military modernization and keep its pace of military power with other countries, they will be unable to stand their international status; additionally, since the collapse of the Soviet Union, United States has stated multiple times that the P. R. C. is its potential competitor, and this has put pressure on the national security of the P. R. C., and therefore stimulates the P. R. C. in the implementation of new military transformation. 2.The main content of this wave of new military transformation is information technology. The science and technology content of the troops’ professional duties have increased after new transformation in military affairs, and need more highly educated young people to join the service to receive professional training and proceed with technical heritage. The impact of this change on the original system of military service has forced the P. R. C. to modify its military service system, in order to attract more high-quality young people into service to retain the experiences of technical frameworks. 3.The P. R. C. conscripts soldiers in a way different from the conscripted military service system of our country. Their soldiers are selected with a rigorous elimination system to help the People's Liberation Army choose personnel that meet their demands; and the noncommissioned officer selection system is favorable to keep skilled conscripted soldiers to remain longer in the army. Therefore, it can be said that the P. R. C.’s military service system in fact has characteristics of a volunteer force for the troops to both select the best people to enter the forces, and the function to keep talented personnel stay in the service for long-term development.

abstract: 随着社会经济发展，人们生活水平提高，红木市场不断发展壮大。但红木市场中存在 原材料无法认证、加工工艺无法辨别、产品价格混乱的现象，成为我国红木市场三大痛 点。能否解决红木市场这三大痛点，成为未来红木行业能否健康顺利发展的关键因素。 针对红木行业存在的问题，本文应用市场交易效率理论、信息不对称理论、金融市场 微观结构理论对红木市场做理论梳理，通过实地调研获取红木企业发展现状、厘清传统红 木交易流程和各交易环节中存在的问题，尝试在信息不对称理论的框架下对行业和典型企 业进行分析，将红木市场的交易要素进行序列梳理，重构市场组织和流程再造，创造性地 利用现代的互联网技术，把涉及的非标准的市场要素进行标准化设计，使其成为可交易的 标准化标的产品，并在设计可操作性的红木交易平台上进行交易，从而解决现有红木市场 中信息不对称导致的市场交易效率低下问题。本文一共分为十一章，第一到第五章为绪论、理论研究和研究综述。主要根据市场交 易效率理论、信息不对称理论和金融市场微观结构理论，引出建立红木交易市场，从而为 后续红木交易市场的设计奠定理论基础。第五章，对红木产业及其市场的要素进行信息解 析，为后面的非标准的市场要素进行标准化设计提供依据。第六、第七章，主要对红木交 易市场的信息不对称现状、红木交易市场交易效率进行分析。第八、第九章，主要基于信 息对称条件下的交易要素标准化设计和交易架构设计。第十章，主要通过对实际数据抓 取，对红木交易平台的有效性进行实证对比验证。第十一章是本文的结论和建议。 由于红木交易平台的设计是弥补大宗交易的空白，特别是红木交易市场要素的非标 准化，给标准化交易架构的设计带来一定难度。红木交易平台未来运营与发展中可能会遇 到很多风险，特别是投资者资格认证、交易涉众等社会问题，本文限于篇幅没有进行研 究，留待今后实践中不断总结和修正。 / Dissertation/Thesis / Doctoral Dissertation Business Administration 2018

高新技術產業是深圳市產業升級的四大支柱產業之一，其中電子信息產業又佔其一半以上的比重。翻閱探討中國大陸電子資訊產業發展的相關文獻，研究對象多集中在城市內部的科學園區，並以北京和上海的科學園區居多。深圳市作為中國首個國家創新型城市，產業發展不局限於某個科學園區之內，形成了全市範圍的產業聚落。因此，本文以深圳市作為研究對象，探討電子資訊產業的發展狀況和影響因素。 當下，科技創新的重心已經移居深圳，體現在專利數量的優勢、密集的政策出台和資金人才的大量湧入。在產值的增長和知名企業的帶動之下，深圳的電子信息產業聚落尤為突出，已經代表中國在國際範圍施加影響。 然而論及深圳的電子信息產業，經濟特區內部存在先天的空間異質性，各區電子信息產業之傳統、政策和現狀都有很大差異，無法一概而論。本文以深圳市各行政區為分析單位，自主收集相關資料並採用追蹤數據，探討深圳市電子資訊產業在2008-2015年的再結構過程，以及哪些因素對各區產業發展的差異性產生影響。 / High and new technological industry is the most important industry of Shenzhen, in which IT industry is in the majority. Reviewing existing literatures, most of them focus on science parks in Beijing and Shanghai. But Shenzhen is the first official Innovative City in China, where IT industry doesn’t restricted to any science park. After the international financial crisis in 2008, Shenzhen representing China gave influence on the whole world in technology innovation. It has advantages for its IT industry cluster, industry output and large enterprises. Hence, this article will discuss affecting factors of the restructure of Shenzhen IT industry in 2008-2015. However, there is Spatial Heterogeneity in different regions in Shenzhen, such as industry tradition, policies and current situation. Furthermore, this study will base on a sub-regional strategy by panel data.

我國早年已與中國簽署《金融監管合作備忘錄》和《海峽兩岸經濟合作框架協議》，這標誌著兩岸經貿往來和金融合作進入制度化軌道，開啟了兩岸經貿關係的新紀元。自《海峽兩岸經濟合作框架協議》ECFA簽署以來，經貿聯繫及金融合作愈來愈緊密，兩岸金融機構及商貿企業信用業務大幅增長，信用管理將呈現跨地域、多層次、多元化的態勢。這時，徵信作為信用管理的起點和其基礎地位的重要性日益突顯，徵信領域廣泛且深入的交流合作愈發頻繁，兩岸徵信平台的彼此互相聯通將有助於形成良好的金融信用環境，而彼此徵信的聯通有賴於彼此對於對岸徵信業管理制度之瞭解。 本論文共分五章，第一章緒論;第二章針對徵信起源、定義、特徵、功能、分類及相關概念作說明，並介紹近代中西方徵信演進發展之概況;第三章以徵信機構體制為方向，說明徵信機構的定義、角色、分類、監管及設立退出條件，並對公共徵信機構與私營徵信機構進行比較。接著介紹世界上主要國家徵信機構發展之過程，並以此為基礎，對我國與中國徵信機構體制進行比較;第四章先點出隱私權與徵信間的衝突後，再介紹隱私權的內涵、發展，最後由隱私權衍生出信息隱私權之概念，並進而對徵信業務規則進行討論並比較我國與中國對於信息隱私權保護的差異性;第五章，總結兩岸徵信業之差異，期以之能作為兩岸共建聯合信息平台之基礎，並對兩岸信息共享提供未來發展方向之建議。 / Taiwan has signed "Financial Regulatory Cooperation" and "Cross-Strait Economic Cooperation Framework Agreement" with China in the early years, which marks that the cross-strait economics, trade exchanges and financial cooperation has been in the orbit, which opens up a new era of cross-strait economics and trade relations. Since the "cross-strait economic cooperation framework agreement" ECFA was signed, economic ties and financial cooperation are more closely. Substantial growth in cross-strait financial institutions, commercial enterprise type, and credit management will present cross-regional, multi-level and diversified trend. At this time, credit management between Taiwan and China can be as a basis to highlight the growing of more frequent exchanges and Cross-Strait economic cooperation. The establishment of Unicom credit information exchange platform between Taiwan and China will help create a good financial credit environment .For the goal, realization of the credit industry management system difference between Taiwan and China is a must. The paper is divided into five chapters: the first chapter is an introduction; the second chapter introduces credit origin, definition, features, functions, classification and related concepts, and makes an overview of the evolution and development of modern Western and Eastern countries; the third chapter discusses credit institution, indicating that the definition of credit institutions, the role of classification, the establishment of entrance and exit conditions, and the comparison between public credit institutions and private credit bureaus . Then, the paper introduces the world's major national development process of the credit bureaus, and on this basis, compare credit institution between Taiwan and China; the fourth chapter points out the conflict between privacy and credit, and then introduces privacy connotation, development, and finally privacy of information is derived from the concept of privacy. Then discuss the rules for the credit industry. Finally, make a comparison of Taiwan and China Information Privacy differences; the fifth chapter summarizes the differences between the two sides of the credit industry, in order that it can build a basis for cross-strait joint platform of credit information, sharing of credit information of Taiwan and China. Finally, the paper provides the future direction of the sharing of credit information between Taiwan and China.

進入二十一世紀的第二個十年以來，科技進步推動中國大陸互聯網經濟快速發展，也使得「互聯網+保險」這一商業模式逐漸進入人們的生活。然而在實際運行過程中，中國大陸保險法第17條規定之保險人說明義務並未能在互聯網平台得到很好的實施。實務中，無論是保險公司自營平台或第三方平台，其說明義務履行均未達到保險法、司法解釋以及相關行政法規之要求。 說明義務之立法目的在於糾正保險人與要保人之間的信息偏在，但實際履行中成本過高。而互聯網保險，尤其是其中的O2O保險碎片化、快捷化、小額化之特點，使得該制度的缺點進一步被放大。所以立法應當廢止現行說明義務規範，參酌其他國家或地區立法，代之以信息提供義務。 其中台灣雖然規定有信息提供義務類似規範，但義務違反之責任仍有缺陷。相較之下，本文建議參考德國保險法與歐盟相關指令進行立法，除信息提供義務之外，增訂承保範圍不一致警示義務、要保人撤銷權與商品資訊書相關規範。 中國大陸有大量保險於第三方平台上銷售，相較於保險公司自營平台，第三方平台對於說明義務履行狀況更加令人堪憂，然而卻極少有平台因此而對保險消費者承擔責任。本文認為，在消費領域雖然第三方平台註冊身份有保險代理人與保險經紀人之分，但考量實務運行情況，現階段宜將其統一認定為保險人之代理人。第三方平台作為保險代理人在義務履行有過錯時，仍應因其侵犯保險消費者資訊權之行為，向保險消費者承擔侵權責任。 / From 2010s, scientific and technological evolution promotes the rapid development of Internet economy in Mainland China, and makes the "Internet + insurance" business model become reality. However, the representation duty clause from Article 17 of Insurance Law, does not operate well especially on the Internet. In practice, the explanation on neither the insurance company's own platform nor third-party platform could meet the requests of the insurance law, judicial interpretation and the relevant administrative regulations. The purpose of the representation duty is to correct the information asymmetry between the insurer and the insured, but actually the cost is too high. And the features of internet insurance, especially those O2O insurance, such as, fragmentation, small amount and quickness, make the situation even worse. Therefore, the legislation should abolish the existing obligation of representation duty, and imitate the legislation of advanced countries, to replace it with duty of providing pre-contractual information. Among those countries or districts, although Taiwan has similar regulations to those in Germany and European Union, it is a pity that it has shortcomings in terms of responsibility. Thus, China should follow the German Insurance Law and European directives to amend the law, add the duty of warning about inconsistencies in the cover clause, withdraw right clause and information sheet clause, in addition to duty of providing pre-contractual information clause. In Mainland China , there is a large number of insurance products sold on third-party platforms. Compared to insurance companies’ own platforms, the situation on third-party platforms is even more worrying. However it is disappointing that few third-party platforms take their responsibility towards their consumers. As far as I am concerned, although third-party platforms can be registered as insurance agents or insurance brokers, for now they should be identified as insurers’ agents considering the actual situation when the insured is a consumer. When a third-party platform makes a mistake at work as an insurance agent, it can not be exempted from its identity. On the contrary, the third party platform shall bear the tort liability to the consumer for its behavior of violating consumers’ information rights.