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由證券集團蛻變成金控集團之綜效探討與未來展望--以Y金控為例鐘永導 Unknown Date (has links)
摘要
民國90年台灣成立金控法,一夕之間多家公司透過發起設立或轉換設立和成立金融控股公司,然而,當時沒有機會成立金融控股公司的金融機構又受制於二次金改,金控減半的政策導向原因而不知其門而入。而目前可以進軍金控行列的方式不多,其中唯一較可行就是併購現有的金融控股公司。
本研究將重點擺在甫併購不久的元大金融控股公司。法定上於96年4月2日與復華金控合併生效日,更名為元大金控。本研究對於併購過程做了一系列的探討研究整理。並且對於合併前後動機評估及併購後的綜效探討和對此併購案是否有為股東帶來財富增加的效果做分析。最後,在併購後成為金控公司之一的元大金控,未來的發展策略及執行方向也做出研究。
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銀行投資決策之行為偏誤 / The Behavioral Biases of Banks’ Investment Decisions.李綺文 Unknown Date (has links)
本文旨在研究我國銀行長期投資行為和短期投資行為是否會因其過去投資績效所影響,而有賭資效應、過度自信及心理帳戶假說所預期不理性之現象。另外,更進一步探究此三種心理偏誤對投資行為之影響,是否依銀行業務性質的不同而有所差異,因此,也將討論商業銀行和工業銀行之長、短期投資行為。使用1994至2007年的追蹤資料進行迴歸分析,其結果發現茲臚列於下。
1.在控制資金來源(負債)、資產獲利能力(資產報酬率和存放款利差)、股市榮枯以及過去持有的投資存量這些會影響銀行投資行為的因素後,發現前一季長期和短期投資績效愈好,當季銀行長期和短期投資行為就會承擔過多的風險而有賭資效應之現象;在投資績效分為利得和損失的設定下,銀行長期投資行為有賭資效應之傾向,而短期投資行為則否。再者,當銀行面對過去兩季長期投資績效皆為利得時,當季的長期投資風險態度更顯積極,因而銀行長期投資行為有過度自信的現象,而短期投資行為則否。最後,銀行在進行短期投資決策時,無法將前一季長期投資績效納入考量,表示銀行將短期投資視為一獨立帳戶,忽略長期投資的情況,不能綜觀全局,因此短期投資行為有心理帳戶所述現象,而長期投資行為則否。
2.為了釐清賭資效應、過度自信與心理帳戶這些心理偏誤對投資行為的影響,是否依銀行業務性質的不同而有所差異。因此,就銀行類別而言,本文發現商業銀行長、短期投資行為皆有賭資效應與心理帳戶偏誤;工業銀行長期投資行為有賭資效應及過度自信偏誤,短期行為則無任何心理偏誤。
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宗教信仰與非營利組織文化之關係探索--以台灣世界展望會為例王蓉琦 Unknown Date (has links)
本研究試圖從「微視」的觀點與「實證」之方式來探索宗教信仰與非營利組織文化之關係,單以『台灣世界展望會』為本研究之研究個案。本研究所關注的焦點是組織內部的文化為何,且是實際從組織成員的角度來加以深入的了解,因此,本研究嘗試先從瞭解組織內成員之個人基本背景與特質以及組織成員本身所持有之宗教信仰與價值理念,進一步認識組織內所認知的文化內涵為何。換言之,組織成員對組織文化的認知是否會因組織成員本身背景與特質所影響,以及組織成員在宗教信仰上的虔敬程度(即宗教性)是否會影響組織成員對其組織文化上的認知。本研究之研究方法上採以量化問卷調查為主之研究工具,但在尋找明確之研究變項的過程裡亦採取一些質化的方式,如:訪談、觀察等方式,以助於之後研究問卷之設計與真正符合本研究的意義。
研究發現,摘要如下:
1.由於展望會本身是一個具有基督教背景之非營利社會服務性組織,故發現成員中佔有約百分之七十的人是基督徒,而且其中原住民的同工則佔有相當的比例,亦形成展望會獨特的組織文化與特色。此外,成員對組織的認同感(包含認同於組織所信奉的核心價值與信念)相當高,更反映出成員對組織的向心力與忠誠度等文化面向上呈現出相當高與一致程度的組織文化。
2.成員個人的基本特質對其組織文化的認知上有一定程度的影響力,包括了教育程度、婚姻狀況與宗教信仰上的差異。教育程度低的成員對組織文化的認同感、向心力程度較教育程度高的為高;已婚比未婚高;具有基督教信仰之成員比起非基督徒或沒有任何信仰者高等。
3.成員之宗教信仰的宗教性愈高,則其對組織文化的認同感會愈高。也就是說成員對組織文化的看法亦會受到成員之宗教性程度上的差異而有所不同。
4.成員個人之基本特質對其組織文化上的認知有一定程度的影響力,包含了成員之教育程度、婚姻狀況與宗教信仰上的差異。組織成員中以高中、職的教育程度者居多數,相較之下,教育程度愈低的成員對組織文化的認同感、向心力程度較教育成度高者為高。已婚比未婚的成員對組織文化的認同感、向心力程度較教育程度高者為高。具有基督教信仰之成員比起非基督徒或沒有任何宗教信仰者在對組織文化的認同感、向心力程度為高。
5.成員之基督教信仰之宗教性愈高,則對組織文化的認同感、向心力程度會愈高。換言之,成員對組織文化的認知會因為成員本身之宗教性程度上的差異而有所不同。
目 錄
第一章 緒 論
第一節 研究背景與動機……………………………………………1
第二節 研究目的……………………………………………………5
第三節 研究個案之選擇與特質……………………………………6
第四節 研究流程與論文結構………………………………………8
第二章 相關文獻之探討與回顧
第一節 組織文化的概念……………………………………………9
第二節 宗教信仰與組織文化……………………………………..17
第三節 本章結語…………………………………………………..20
第三章 研究設計
第一節 研究架構與研究主題……………………………………..22
第二節 研究概念與變項之界定…………………………………..24
第三節 研究方法…………………………………………………..26
第四節 資料收集與分析…………………………………………..28
第四章 簡介台灣世界展望會及其發展概況
第一節 簡介世界展望會之起源與工作核心理念………………..30
第二節 簡介台灣世界展望會……………………………………..32
第五章 研究樣本之量化研究結果與分析
第一節 研究樣本之基本資料與特質的分析與描述…………….36
第二節 組織文化觀點之解釋…………………………………….41
第三節 影響成員對組織文化認知之相關因素探討…………….47
第四節 宗教信仰與組織文化之關係探索與分析結果………….50
第五節 發現與討論……………………………………………….51
第六章 結論
第一節 研究發現與結語………………………………………….52
第二節 研究限制………………………………………………….57
參考書目………………………………………………………………58
附錄一 問卷內容…………………………………………………..62
圖 次
圖一:本研究之流程圖………………………………………………8
圖二:組織文化的層次及其互動………………………………….14
圖三:組織文化的層級…………………………………………….15
圖四:本文研究架構圖…………………………………………….23
表 次
表一:研究樣本之個人基本資料與特質之描述統計分析表…….37
表二:研究樣本之個人基本資料與特質之描述統計分析表.…..39
表三:個人宗教信仰之描述統計分析表.………………………..41
表四:成員對組織認同感之描述統計分析表…………………….43
表五:成員對組織之向心力的描述統計分析表………………….44
表六:組織人際關係氣氛的描述統計分析表…………………….46
表七:組織宗教化之程度的描述統計分析表…………………….47
表八:個人基本特質對組織文化認知上的顯著性影響之檢定表.47
表九:教育程度對組織文化認知之顯著性影響分析表………….48
表十:婚姻狀況對組織文化認知之顯著性影響分析表………….49
表十一:宗教信仰對組織文化認知之顯著性影響分析表……….49
表十二:成員之宗教性與其對組織文化的認知上的相關程度表 50 / ABSTRACT
In this thesis, we study the relationship between religion and the culture of non-profit
organization from micro viewpoint and practical way, taking the World Vision Taiwan for
our study case.
We focus on what is truly culture within the non-profit organization and we attempt to
search for understanding the culture from the member of view.
We adopt maily the questionnaire of quantitative research, in the meanwhile we also use qualitative
method of interview and join and observation to get definite variables, helping the design of the questionnaire.
We found most members are Christians and aborigiines. Their commitment theirselves to World Vision also
is the unique trait of their culture within the organization. We prove that the higher of the religiosity of members, the more degree of their centripetal force and identification.In other words, the recognification of culture from members depends on their different religiosity of the members.
We show the clear and definite correlation between members' background, including education, marriage and religious belief
and their concepts towards the World Vision. The identification of members who are lower education is more positive and higher
than those are higher education. Marrieed members are higher than unmarriaged. And if members have their religious belief, their
are much more willing to involved the service and the mission than those do not have.
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電子化服務傳遞之協同式定價模式研究 / iPrice: A Collaborative Pricing Model for e-Service Bundle Delivery張瑋倫, Chang,Wei-Lun Unknown Date (has links)
Information goods pricing is an essential and emerging topic in the era of information economy. Myriad researchers have devoted considerable attention to developing and testing methods of information goods pricing. Nevertheless, in addition; there are still certain shortcomings as the challenges to be overcome. This study encompasses several unexplored concepts that have attracted research attention in other disciplines lately, such as collaborative prototyping, prospect theory, ERG theory, and maintenance from design, economic, psychological, and software engineering respectively. This study proposes a novel conceptual framework for information goods pricing and investigates the impact of three advantages: (1) provides collaborative process that could generate several prototypes via trial and error in pricing process, (2) deliberates the belief of consumer and producer by maximizing utility and profit, and (3) offers an appropriate service bundle by interacting with consumer and discovering the actual needs.
Due to the unique cost structure and product characteristics of information goods, conventional pricing strategies are unfeasible, and a differential pricing strategy is crucial. Nevertheless, few models exist for pricing information goods in the e-service industry. This study proposes a novel collaborative pricing model in which customers are active participants in determining product prices and adopt prices and services that meet their changing needs. This study also shows that the collaborative pricing model generates an optimal bundle price at equilibrium with optimal profit and utility. Theoretical proofs and practical implications justify this pricing model, which is essential for future information goods pricing in information economy.
Moreover, we apply iCare e-service delivery as an exemplar and scenario for our system. The objective of iCare is to provide quality e-services to the elderly people anywhere and anytime. The new pricing method will go beyond the current iCare e-service delivery process which furnishes personalized and collaborative bundles. iPrice system for pricing information goods fills the gap among previous literatures which only considers consumers or providers. Different from existing works, iPrice system is novel in integrating distinctively important concepts yielding more benefits to consumers and profits to more providers. Thus, iPrice also guides and provides a roadmap for information goods pricing for future research. / Information goods pricing is an essential and emerging topic in the era of information economy. Myriad researchers have devoted considerable attention to developing and testing methods of information goods pricing. Nevertheless, in addition; there are still certain shortcomings as the challenges to be overcome. This study encompasses several unexplored concepts that have attracted research attention in other disciplines lately, such as collaborative prototyping, prospect theory, ERG theory, and maintenance from design, economic, psychological, and software engineering respectively. This study proposes a novel conceptual framework for information goods pricing and investigates the impact of three advantages: (1) provides collaborative process that could generate several prototypes via trial and error in pricing process, (2) deliberates the belief of consumer and producer by maximizing utility and profit, and (3) offers an appropriate service bundle by interacting with consumer and discovering the actual needs.
Due to the unique cost structure and product characteristics of information goods, conventional pricing strategies are unfeasible, and a differential pricing strategy is crucial. Nevertheless, few models exist for pricing information goods in the e-service industry. This study proposes a novel collaborative pricing model in which customers are active participants in determining product prices and adopt prices and services that meet their changing needs. This study also shows that the collaborative pricing model generates an optimal bundle price at equilibrium with optimal profit and utility. Theoretical proofs and practical implications justify this pricing model, which is essential for future information goods pricing in information economy.
Moreover, we apply iCare e-service delivery as an exemplar and scenario for our system. The objective of iCare is to provide quality e-services to the elderly people anywhere and anytime. The new pricing method will go beyond the current iCare e-service delivery process which furnishes personalized and collaborative bundles. iPrice system for pricing information goods fills the gap among previous literatures which only considers consumers or providers. Different from existing works, iPrice system is novel in integrating distinctively important concepts yielding more benefits to consumers and profits to more providers. Thus, iPrice also guides and provides a roadmap for information goods pricing for future research.
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Financial Planning: Integrated Account or Seperated Accounts羅珮琦 Unknown Date (has links)
When making financial planning, most people would allocate their assets into different accounts according to its usage, such as setting up education account and retirement account. It seems human nature to adopt segregated accounts for financial planning and it is argued that segregated accounts planning method serves the function of self-control. However, segregated accounts planning method violates standard finance theory that would suffer investment efficiency with unnecessary losses. This article focuses on analyzing financial planning methods of integrated account and segregated accounts in the point of view of behavioral finance. The finding is that integrated account planning method would not only help achieve financial efficiency but help people overcome psychological bias.
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我國通常法定夫妻財產制之變革與展望郭欽銘, Kuo ,Chin-Ming Unknown Date (has links)
夫妻財產制規範之重心,應在於婚姻發生破綻或解消(包括夫妻之一方死亡)時,財產如何處理或分配之問題,故可稱為「處理夫妻財產危機之法律」。
在中國大陸方面,自清宣統三年(西元一九一一年)以迄民國十七年(西元一九二八年)止,整部民法共有二次民律草案,其中就民法親屬編而言,共有四次草案,而大理院則於民國元年至十七年間,為司法審判之龍首。立法院於民國十九年制定民法親屬編,自民國二十年五月五日起施行,是為民國七十四年六月五日未修正前之親屬法。在臺灣方面,自西元一八九五年日本人統治臺灣至一九四五年止,中國民法之效力不曾及於臺灣本島,亦即民國前十七年(西元一八九五年)至民國三十四年(西元一九四五年),五十年間,為臺灣日治時期。
我國民法親屬編於民國二十年(一九三一年)五月五日開始在中國大陸施行,然而當民法親屬編在中國大陸實施之際,臺灣正值日本統治之下,依當時日本的法律,關於臺灣人之間的婚姻家庭事項主要是依據臺灣固有的習慣做為裁判之依據,而所謂臺灣固有的習慣主要係受到清朝法律(即大清律例)之影響,故我國民法親屬編直到民國三十四年(一九四五年),臺灣光復後,才開始適用。而自民國三十九年(一九五○年)開始,因民法親屬編在大陸已為中共所公布的「婚姻法」所取代,自此這個在大陸公布施行的民法親屬編僅在臺灣、金門、馬祖、澎湖等地區施行。
本文擬對夫妻財產制之立法原則、民初以來及臺灣日治時期之夫妻財產制,分別剖析其變革,以求脈絡分明,進而對現在與未來我國之通常法定夫妻財產制,有更為清晰之定位,以符時代需求。此外,以比較法之觀點,檢討、分析我國通常法定夫妻財產制之現行規範,供各方先進卓參。
第一章首先介紹本論文之研究方法,包括歷史法、批判法、分析法、比較法、歸納法、演繹法及綜合法,及其在本論文中如何實際運用,並闡述研究動機與目的,在於平衡追求「兩性平等」、「交易安全之保障」及「婚姻共同生活圓滿和諧」三項法益。而在此追求中,自固有法制、習慣與外國立法例獲得啟示,以期展望我國通常法定夫妻財產制。
第二章將「維護夫妻兩性平等」、「保護交易安全」及「維持圓滿婚姻關係」之夫妻財產制三大立法原則內涵,作進一步論述,以此做為後述各章論述之基礎。
第三章係參考日本、德國與瑞士之外國立法例,並分析其利弊得失,及其對我國法之啟發,以作為我國爾後立法上修法重要參考之依據。
第四章論述我國傳統法與民初大理院判例之夫妻財產關係(民國元年至十七年間),以及民國十九年民法、六十八年草案、七十四年修正之通常法定夫妻財產制,探尋其變革之軌跡與定位。
第五章論述影響現今法制、民間觀念及習慣之臺灣日治時期夫妻財產制(自清光緒二十一年至民國三十四年間;亦即自西元一八九五年至一九四五年間),當時日本政府對統治之臺灣,多較尊重臺灣風俗習慣,若非民間習慣明顯違背當時之公序良俗,則認身分法之立法,宜以體現民間習慣,而不宜妄加遽然改變,即使欲透過立法上之移風易俗,亦宜採取緩和漸進方式為之。。
第六章則綜合以上各章之論述,分析甫於九十一年六月二十六日修正通過之我國通常法定夫妻財產制,其如何自我國傳統法、民初大理院判例之夫妻財產關係、民國十九年民法、六十八年草案、七十四年之修正、臺灣日治時期夫妻財產制變革而來之過程,在變革之過程中有如何之啟示,以及應如何予以解釋、適用。
第七章則結合前述各章之研究成果,進一步就我國現行通常法定夫妻財產制,參酌國內、外之立法例,展望未來,希能兼顧前述三大立法原則之調和與平衡追求,提出立法論。
第八章為總結,並以表格化之方式,提出對現行通常法定夫妻財產制之立法上修法之建議,期使未來我國通常法定夫妻財產制,更趨至臻完善。
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展望記憶における抑制制御過程に関する研究内海, 健太 23 September 2016 (has links)
京都大学 / 0048 / 新制・課程博士 / 博士(教育学) / 甲第19947号 / 教博第195号 / 新制||教||162(附属図書館) / 33043 / 京都大学大学院教育学研究科教育科学専攻 / (主査)教授 齊藤 智, 教授 楠見 孝, 准教授 野村 理朗 / 学位規則第4条第1項該当 / Doctor of Philosophy (Education) / Kyoto University / DGAM
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中国経済の計量分析 : 東アジア開発途上国の中長期計画に対する評価・展望モデルの開発金城, 盛彦, 孫, 林, 江崎, 光男, 斉, 舒暢, 顧, 林生 03 1900 (has links)
科学研究費補助金 研究種目:基盤研究(C)(2) 課題番号:09630040 研究代表者:江崎 光男 研究期間:1997-1999年度
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非營利組織救援功能之研究:以台灣九二一震災中六個個案為例游淑綺 Unknown Date (has links)
從九二一震災的救援經驗中使我們對非營利組織的救援行為加以肯定及重視,本研究試圖從非營利組織救援行動中四個重要相關議題:資訊傳播、人力動員協調與聯盟合作、賑災款項管理及與政府的互動關係進行非營利組織救援行為的探討;為了使研究結果能切合本土性需求,本研究以國內九二一震災作為研究標的,並以此次震災中六個具指標性的組織作為研究個案。在研究結論中以上述四大議題進行結果檢視,希冀研究所提出之建議,能對台灣未來非營利組織的救援行為有正面積極之貢獻。
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服務場景的人際因素對注意力幸福感的影響: 以恢復體驗為中介角色 / The Influences of Interpersonal Factors within Service Environments on Attention-Related Well-Being: The Mediation Role of Restorative Experience曾祥景, Tseng, Hsiang Ching Unknown Date (has links)
本研究目的是從注意力恢復理論的觀點檢驗服務環境中的人際因素如何影響恢復體驗,進而帶給顧客注意力幸福感。人際因素有顧客小群體的人際融洽、其他顧客的相似性、外表及行為適當性、以及服務人員的服務友誼、顧客導向行為與銷售導向行為。本研究執行兩個研究,研究一將會透過量表建構過程發展一個恢復體驗量表,適用於享樂型人身處理或心理刺激處理類型的服務業,並得知恢復體驗的概念內涵與組成要素。研究二將檢驗恢復體驗的前因與後果,以及恢復體驗是否會中介人際因素與注意力幸福感之間的關係。研究一結果指出恢復體驗由內容迷戀、暫時逃離、動機相容、能力相容、活動新奇感與心流六個子構面組成,該量表共以21題衡量,並具有良好的信度、收斂效度、區別效度與外在效度。研究二結果指出服務環境中的人際因素會顯著的影響恢復體驗,而恢復體驗亦會帶來顧客的注意力幸福感,恢復體驗會完全中介人際因素與注意力幸福感之間的關係。根據研究結果討論理論、方法與管理意涵。在服務業情境的恢復體驗概念內涵比大自然情境多了過程迷戀面向,但是少了一致性面向。恢復體驗的前因應不只限於與大自然有關的實體因素而已,因為人際因素亦是恢復體驗重要的前因。恢復體驗與其子構面間的關係應被建模為反映型而非形成型。本研究提供服務業者指南,告知其如何透過人際因素的形塑與管理,帶給顧客注意力幸福感。由於小群體融洽相對於其他人際因素而言對顧客的恢復體驗影響較大,服務業者應將較多資源分配在管理顧客小群體上,並促成其產生小群體融洽。最後,提出研究限制與未來研究方向。 / The purpose of this research is to examine how interpersonal factors in service environment influence restorative experience, which in turn facilitates attention-related well-being of customers from the perspective of attention restoration theory. Interpersonal factors include small groups (i.e., interpersonal rapport), other customers (i.e., similarity, physical appearance, and suitability of behavior), and service providers (i.e., service friendship, customer orientation, and selling orientation). Two studies were conducted. Study 1 developed a scale of restorative experience applicable to hedonic service industry of people-processing or mental stimulus processing types. Also, the conceptual domain and components of restorative experience were discussed. Study 2 examined the antecedents and consequences of restorative experience and whether restorative experience mediates the relationship between interpersonal factors and attention-related well-being. The results of study 1 indicated that restorative experience is comprised of six dimensions- content fascination, escape, motivation compatibility, competence compatibility, novelty of activity, and flow. The new scale is measured using 21 items and has good reliability, convergent validity, discriminant validity, and external validity. The results of study 2 indicated that interpersonal factors in service environment significantly influence restorative experience, which in turn influences attention-related well-being. Restorative experience completely mediates the relationship between interpersonal factors and attention-related well-being. Theoretical, methodological, and managerial implications are discussed. Compared to natural environment, restorative experience in the service environment contains the dimension of process fascination but has no dimension of coherence. Since interpersonal factors facilitate restorative experience, the antecedents of restorative experience should not be confined to natural elements of physical environment as done in the past studies. The relationships between restorative experience and its sub-dimensions should be modeled as reflective, not formative. This research provides guideline for service marketers to manage and harness interpersonal factors and improve attention-related well-being for customers. Since rapport in customer small group has more influence than other interpersonal factors on restorative experience, service marketers should put more resource in managing customer small groups and facilitating rapport among members in customer small group. In the end, limitations and direction of future research are presented.
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