智慧型手機的銷售量從2010年的300萬台成長到2014年的12億台，呈現爆發性的成長，台灣2014年智慧型手機銷售量也達一千萬台，已經是人手一隻智慧型手機的時代。智慧型手機改變了人們的生活習慣，相信未來智慧型手機的應用將蓬勃發展。 智慧型手機的崛起，使得和銀行交易的行為也可以在手機上完成，且許多非銀行公司也想要分食這塊商機，雖然台灣受到法律規範的限制，金融相關服務只有銀行才能推出，但政府已有慢慢開放法律規範，讓越來越多人可以進入，因此銀行業也面臨相當大的考驗。 本研究以永豐銀行、台新銀行、玉山銀行等三家銀行業者作為個案研究的對象，希望透過本論文研究，探討銀行業者在因應行動科技的崛起與變化時，其組織服務創新的策略思維；同時，也探討其發展行動服務創新時，內部的組織方式、新服務開發管理、以及與顧客的溝通方式。本研究所得到的初步結論包括：(1)銀行業者因應行動科技的快速發展下，會更強調對消費者生活習性的瞭解，以推出解決消費者痛點的新服務。(2)銀行業者因應行動科技的快速發展下，會進行更多的異業結合，以發展更多整合性的服務創新金融服務。(3)銀行業者因應行動科技的快速發展下，會在電子金融相關部門招納更多元的人才，以推出更創新的服務。(4)銀行業者因應行動科技的快速發展下發展金融服務創新時，會讓電子金融部門與其他部門進行更多的跨部門合作。另外，若要加速新服務的開發時，則會採用重量級專案團隊的組織方式。(5)銀行業者因應行動科技的快速發展下，會增加與顧客互動的管道，以求更瞭解顧客的需求。本文最後並提出實務上的意涵與後續研究的建議。 / When smartphones came to the world, its had an big impact to people’s life. There were only 3 millions smartphone shipments in 2010,but later, there were 1.2 billion shipments in 2014.There has a big growth. Also in Taiwan, there are over 10 millions shipments in 2014. We can say this is a mobile era. We can predict that mobile application will mushroom in the future. When the rises of smartphone, we can do many things through smartphone. For example, we can receive e-mail, send a message to a friend, take a photo or make a financial trade with smartphone. Now, many non-financial companies serve financial service through smartphone. Although there are many legislation restrictions in Taiwan, only bankers can provide financial service. But legislation restrictions will reduce. So banking industry is facing a great challenge. In this study, we discuss how bankers develop mobile financial service. Meanwhile, we also discuss how they organize their electric finance department, how they develop a new financial service and how they communicate with their customers. Based on the case study, the initial findings includes: (1) To face mobile trends, banks will focus on customer habits. Otherwise, banks will release new service to solve customer’s pain points. (2) To face mobile trends, banks will cooperate with non-financial industries. (3) To face mobile trends, E-finance department will recruit employees with diverse backgrounds. (4) To face mobile trends, banks will have many inter-departmental working group. If necessary, banks will set up heavyweight teams. (5) To face mobile trends, banks will increase channels to communicate with customers. The study finally addresses the contribution of this research in academia and the suggestions to practitioners and follow-on researchers.

隨著商業環境的快速變動，企業為因應市場快速變化，管理階層傾向於將專案規模縮小、目標明確來定義專案的範圍，以助於專案的執行，因此企業大多會執行一個以上的專案，然而專案彼此之間或多或少都會有些關聯與互動，良好的互動關係對於專案執行成效與企業均有其正面助益，因此本研究的目的在探討軟體專案特性對專案管理與專案間互動的影響之研究。 本研究以全球防毒軟體領導廠商-趨勢科技為例，其獨特的企業文化和指標性的企業管理模式，皆已成為國際型企業的典範。因此探討該公司運用雲端運算技術所成立的兩個專案進行研究，藉以探討專案特性、專案管理、專案間互動之關係。本研究經由個案訪談以及次級資料的分析探討，本研究之發現如下： 1.企業在執行軟體專案管理時，充分授權有助於激進式創新專案的開發進行。 2.領導者在軟體專案管理各階段所扮演的角色不同。當技術為外部來源時，領導者需要扮演協調溝通角色；當技術為內部來源時，領導者需要扮演技術支援角色。 3.企業在執行軟體專案管理時，會用師徒制來進行隱性知識的傳承；並利用文件管理系統來管理外顯知識。 4.當激進式創新的產品開發專案運用外部技術來源時，提供員工自我學習的空間，並透過知識分享討論會、知識管理系統、非正式溝通的多個群體協調活動，有助於專案間互動。 / In order to adapt to rapidly changing markets, cooperate managers tend to downsize the scales and define specific goals of projects for effective execution. Therefore, cooperates simultaneously deal with multiple projects which are inter-connected to each other. Good interactions benefit both projects and cooperate itself. Hence, the objective of this study is to investigate how the characteristics of software projects influence the managements and interactions of projects. The study subject is Trend Macro Incorporated, the world-wide leading company of antivirus software. Its unique culture and foremost management style have become the model example of international companies. Therefore, this study investigated two projects of this company, which apply cloud computing, to explore the relationships of the characteristics, management and interactions within and between projects. By case interview and secondary databases, the main findings of this study are listed below. 1.Enterprise in the implementation of software project management, the fully authorized to contribute to the development of radical innovation projects carried out. 2.Leader in software project management role of the different stages. When the technology to external sources, the leaders need to play the role of coordination and communication. When the technology for internal sources, leaders need to play a technical support role. 3.Enterprise in the implementation of software project management, we will use the apprenticeship system to carry out transmission of tacit knowledge; and to use document management system to manage explicit knowledge. 4.When the radical innovation of the product development project the use of external technology sources, to provide space for staff self-learning and knowledge sharing through seminars, knowledge management systems, informal communication between the various groups of coordination activities to facilitate interaction between projects.

隨著經濟發展與所得水準提升，臺灣地區就業人口由早期的第一級產業－農林漁牧業逐漸移向第二級產業－工業，再由第二級產業轉移至第三級產業－服務業。為瞭解臺灣地區服務業就業之趨勢，國內多數研究僅就蒐集資料以年齡、年代或世代三方面分別作探討，本文則改採流行病學領域中所廣泛使用之年齡－年代－世代模型（Age-Period-Cohort Model），就行政院主計處「人力資源調查」資料來作分析。但年齡、年代與世代三者間存在共線性問題（即世代＝年代－年齡），導致迴歸模型產生無限多組解，為了自其中選出一組較適當之參數估計值，文獻中提供了許多不同形式的解決方法。本文則採用Fu（2000）所提出之本質估計量（Intrinsic Estimator，簡稱IE），這是一種不受參數限制式影響的估計方式。我們除了藉以取得惟一的參數估計值，進而分析年齡、年代及世代效應對服務業就業比率之影響外，並與傳統之受限廣義線性模型估計量（Constrained Generalized Linear Models Estimator，簡稱CGLIME）作一比較，來說明採用本質估計量之優點及方便之處。 / Along with economical development and higher income level, Taiwan area employed population has gradually been switching from farming, forestry, fishing and animal husbandry to goods-producing industries, and then onto services-producing industries. In order to understand the trend of employment in service-producing industries in Taiwan, most domestic studies focus on the aspects of age, period or cohort separately. We, instead, adopt the Age-Period-Cohort (APC) model, which is well recognized in the epidemiology, to analyze the data from “Manpower Surveys” conducted by the Directorate-General of Budget, Accounting and Statistics, Executive Yuan, R.O.C. in this study. However, due to the collinearity among the age, period, and cohort effects, the APC model suffers from the identifiability problem. Some possible solutions have been provided in the literature. Among them, the Constrained Generalized Linear Models Estimator (CGIME) is undoubtedly the most popular choice, while the Intrinsic Estimator (IE) (Fu (2000)), which is invariant to the constraint selected to obtain the parameter estimates, is less well-known. We compare the results obtained from IE with that of CGIME in this study, and discuss the advantages of using the Intrinsic Estimator.

現今資訊科技發展突飛猛進、通訊工具與網際網路日益普及，深深影響了人類的經濟活動，從傳統商務活動中，延展了物流、金流、資訊流的範圍，電子化提升了處理速度，改變使用模式，進而改變企業經營模式、人類思考模式與生活習慣。加上金融自由化、金融全球化等衝擊，除金融產業有擴大規模、擴大範疇之變革，金融服務亦為了因應客戶需求，趨向多元化與個人化。時至今日，商務活動中以金流的進展為最待加強，其中支付工具之電子化尤為重要。本論文研究電子票據之整體發展方向，探討電子票據能否成為安全、便利、有效、低成本之電子支付工具。 票據為支付工具之一種，其使用已久亦廣，為了能將其改進並予以電子化應用，乃有「電子票據」之電子支付工具產生。本研究旨在以票據之使用及電子票據之規劃設計機制，以我國之經濟、社會、技術、制度面等不同層面需求考量，參考歐美國家文獻與實務資料，從電子支付之角度，安全性、規模度、可靠度、低交易成本、用戶基礎等關鍵因素分析，針對電子票據發展趨勢探討，分析現行紙本票據與電子票據之優缺點，並進行電子票據與其他支付工具之比較，且比較國內外電子票據之差異性，期能對現行電子票據流程及架構提供改善及建議。此外，本研究亦研擬電子票據實施之程序及所需相關資源的配合，期能提供主管機關管理電子票據業務等之參考，進而更提昇電子支付之效率。 / Nowadays the rapid development and population of the information technology, the media, and the Internet has deeply affected all the economical movements of the human beings. The traditional commercial activities have expanded in the areas of distribution, finance, and information, because the entire entrepreneurial management strategies along with the ways that people think and live have all changed with the electronicalization that accelerates and modifies the process and usage. In addition, the financial deregulation and globalization forces the finance industry to expand in size and areas. Moreover, the financial services have become more and more various and personalized to respond the demands of their customers. Up to the present day, the development in finance area has been the one that needs to be strengthened most, especially the electronicalization of the payment tools. This essay is to study the entire development focus of the electronic note, and to find out whether the electronic note could be a safe, convenient, effective, and low-cost e-payment tool. Note is one of the payment tools and has been widely used for a long time. The so-called “electronic note” is produced in order to improve and electronicalize the traditional note. This study refers to the national documentation and practical data of the European and American countries and the different demands of Taiwan’s economics, society, technology, and regulations. It analyzes the electronic note’s design and usage in terms of safety, standard, credibility, low-cost, and user’s backgrounds. Furthermore, it discusses the development trend of the electronic note and demonstrates the pros and cons of the paper-note and electronic note. By the comparison between the electronic note and other payment tools and exploring the differences of the electronic note’s usage in Taiwan and in other countries, it is expected to come out some advice for improving the current electronic note infrastructure and the required resources. It maybe provides helpful suggestions for many financial organizations and increases the effectiveness of the e-payment systems.

美國的少數幾家大型影視產業資本不僅主導了境內市場，也在全球市場占有領先的份額，因而對美國影視產業的批判經常出自於反壟斷、反帝反傾銷的動機，目的在保護民族市場或多元文化。然而美國是最早讓動態影像（motion picture）商業化、產業化，使資本能藉之積累擴張，而不必由政府以長期固定的財政手段支持的少數國家之一；並且不同於大量進口產品與技術的後進國，美國很早就成為影視產品的淨出口國，同時在傳播科技與生產手段上持續革新，一至如今。藉由探索美國影視產業的發展史，有助於我們理解影視產業資本的運動軌跡；也就是探討在影視產業內，資本如何剝奪剩餘價值、發達生產力、擴大生產規模的政治經濟歷程。 一般而言，個別資本為擴大利潤率而不斷地更新生產技術以提升生產力，長期卻總體地導致利潤率下降的結果。或說資本運動具有周期性：按利潤率的波動，一再地經歷危機、蕭條、復甦、高漲的循環。美國影視產業史已經說明了這些階段，然而利潤率如何變遷，以及相應生產手段的更替、生產關係的變革，還有待釐清。 藉長時段的國民所得與生產帳（National Income and Product Account, NIPA）以及產業稅務報告所登錄的資料，本文得到 1947年至1997年間電影業前後一貫可比較的利潤率計算根據。資料顯示，二十世紀下半的美國電影利潤率幾經波動，長期有明顯下降的趨勢。按Weisskopf所提的利潤率要項拆解法，就各周期利潤率作進一步分析，可知戰後利潤率轉壞主因為市場萎縮減產，七○年後利潤率轉壞則因為工資上升與資本投入過速的效果。 在回顧美國電影業百年來的流通手段與生產過程歷程後，與利潤率變遷材料與分析結果互為理解，可知晚近利潤率轉壞的主因為資本仰賴少數廠外秀異生產者，使對生產者的工資議價力降低。與早年的量產制相較，這是資本解散廠內長聘勞動隊伍，使生產外部化造成的非意圖後果。為突破量產時代的生產力發展瓶頸，資本逐漸集中到少量差異化的高質量特製電影製作上，以爭取更深更廣的流通，實現更高的利潤份額，同時節省量產所需的人力。長期下來造成資本的兩極分配，使勞動者的晉升、流動乃至於再生產出現困難。 資本因應秀異者高工資的利潤擠壓以及勞動者再生產困難的困局，是藉全球化之便作生產外逃，使產業空洞化。除了取他國低廉勞動力與製作補貼的外因以解釋晚近美國電影業深化全球分工的格局，本文試圖提供長時段資本運動的內因，作為理解當代全球好萊塢構造的另一途徑。 / A few giant corporations dominate US domestic motion picture market and also play key roles in global markets. So people who criticize this situations are usually motivated by goals of anti-monopoly, anti-imperialist or anti-dumping and want to protect their own national market or pluralistic culture. However, motion pictures in US have been commercialized and traded for capital accumulation and expansion since their birth. Not like other countries' governments give stable financial support to their movie and TV industries, US motion picture industry seldom received government direct supports and US has been major exporter of video goods and new communication technology after 1910s. By exploring the history of motion picture industry we would understand the capital movement of this industry. In other words, we need to identify the political economic process of capital exploits video goods, occupies surplus value, and promotes the innovation of technology and expansion. Generally speaking, individual capital renews production technology and upgrades productivity for higher rate of profit while makes macro/total profit rate falling in the long run. It is said that the movement of capital is cyclic and production would experiences phases like crisis, recessionary, recovery, and upswing. We could identify these phases in the history of US motion picture industry, but we didn't know exactly how and why profit rate fluctuated and the mode of production, relation of production changed correspondingly. I collected raw data from National Income and Product Account published by Bureau of Economic Analysis and corporation tax reports published by Internal Revenue System which were calculated for for profit rate of motion picture industry from 1947 to 1997. The result shows that the rate of profit falling in the long run. And I used Weisskopf's method to analysis the factors of profit rate and have conclusions that the first falling rate of profit after 2nd world war was caused by market shrinking and the second one was caused by rising wage and organic composition of capital. By reviewing the history of US motion picture industry, especially the process of means of circulation and production changed, then comparing the history with trend of profit rate, I argue that the main reason of falling rate in last decades is stronger bargaining power of a few elite talents who asked for ultra-high compensations. When capital faced shrinking market and tried to saved normal cost by dismissing lots of in-house labour and production outsourcing, it could not help but rely "free" workers and accepted unexpected high wages while more and more fund and resources were concentrated on fewer and fewer production projects. A few ultra-high quality films which circulate more widely and deeply would realize more profit and save labour cost for capital. But in the long run this would polarize capital using and make upgrading, mobility and reproduction of labour more difficult. Furthermore, the accumulation of capital is difficult too as profit rate falling. Capital responded to this plight by production runaway. This is the main issue of Global Hollywood. Besides the factors of cheaper labour or subsidies from foreign governments, I try to argue the inner logic of capital movement would lead the same result. That's why global Hollywood globalized.

摘要 　　公共服務動機理論在1990年被提出後，迅速成為了公共行政研究的熱點，不同於新公共管理主張公務人員是理性自利，若無利可圖將不會採取行動的觀點，政府的「公共性」特徵，合理化了公共服務動機理論主張公務人員應重視內在性的激勵誘因，包含公共服務對他們的吸引力、對公共價值有所承諾、具有同情心或願意為公共利益自我犧牲等，隨之陸續發展出各家論點以及不同的動機測量方式。 　　在相關研究中，使用多構面的量表測量最具規模，然而公共服務動機相關研究已有二十餘年，實有必要獨立進行質性研究以獲得更紮實、深入的瞭解，因此，在無前例可循之下，本研究在現有量表基礎上，自行設計訪談大綱，並選擇我國中央及地方行政機關10位業務單位公務人員作為研究對象，除了瞭解我國公務人員的公共服務動機程度外，更重要的是，探討成為公務人員後，影響個人公共服務動機的組織內、外部因素及動機變化情形。 　　研究結果發現，我國公務人員展現較多「同情心」與「自我犧牲」特質，「公共服務的吸引力」與「公共價值的承諾」則相對較難察覺，且隨著年資增加，其公共服務動機逐漸遞減者居多，在影響因素上，機關首長與主管的領導方式、業務內容、考績獎懲制度、組織文化，以及公務人員社會信任與形象、年金改革的過程與爭議都在不同階段、以不同方式不同程度地影響其公共服務動機。本研究據此分別提出短期、中長期的實務建議如下，以提升我國公務人員公共服務動機：短期可分為營造良好的組織文化、建構友善公務環境、使公務人員感知自身業務的「價值」三大建議，並分別可從加強各層級主管的教育訓練、落實工時與休假制度、依政府財政狀況適時給予物質性誘因、以尊重與關懷方式鼓勵業務輪調、按實際需求辦理教育訓練等層面著手；長期則提出合理調整俸給結構、建立公平合理的獎優汰劣機制，以及對公務人員的尊重應先由政府自身做起等建議，期能提供作為一政策性參考。 / Abstract Since 1990 when Public Service Motivation (PSM) was brought out, it quickly became a hot study among the study of Public Administration. Unlike New Public Management (NPM), where it claims that public servants to be rational and self-interest based, and that no action would be taken if a situation being unprofitable, the “Publicness” of a government rationalizes the PSM theory where it claims that public servants should value internal incentive, including the attraction of public service, the commitment to public value and compassion or self-sacrifice for public interest, from which different theories and motivation measurement methods are developed accordingly. Among relevant researches the scale measurement using multidimensional construct are of largest scale. However it has more than twenty year history since the study of PSM and is necessary to conduct qualitative study for more solid and deeper understanding. Therefore, under unprecedented circumstance, with existing scale basis and self designed interview outline, the study chooses public servants from 10 Taiwan central and local government authorities as subjects for the purpose of the PSM level of our public servants, and more important, the internal and external organizational factors and motivation changes that affect individual public service motivation after becoming a public servant. According to the research, Taiwanese public servants show more qualities of “empathy” and “self-sacrifice”, less “the appeal of public service” and “the commitment of public value”, and the longer one serves as a public servant, the more the decrease of public service motivation. On the affecting factors, the leading methods of authority chiefs and directors, public affairs genres, audit, awards and punishment, organizational culture, the process and dispute of annuity reform have all affected the public service motivation at different stages with different ways, and on different levels. To offer as a policy reference, the study makes shot-term, mid-term and long-term practical suggestions accordingly so as to enhance PSM of Taiwanese public servants: 3 short-term suggestions are, a positive organizational culture, friendly public affairs service environment, allowing the public servants to feel the “value” of their own service. To start with, enhance trainings for supervisors of different levels, the implementation of working hours and off-day system, proper material incentives based on government financial status,encouraging internal job rotations in a caring and respectful manner, arranging trainings according to actual needs; for long-term suggestions, reasonable adjustment of payment structure, fair and reasonable award and elimination system, and the government itself to pay respect to the public servants.

現今科技日新月異，不斷突破創新，產業環境變動的步調也越來越快，新竄出之金融科技(Finance Technology)的應用，使得許多企業越加注重技術方面的研發創新，尤其，善加運用專利資訊能有效節省研發經費與時間。因此如何有效運用專利是企業維持競爭優勢不可或缺的一環。 有鑑於此，本研究搜集近年各國專利資料庫之專利資料，將資料分為三個時期，並區分申請中與已申請之專利資料，透過文字探勘技術與機會探索分析出金融科技之發展與趨勢，了解各時期詞彙間之關聯性與差異，再搭配視覺化工具KeyGraph，以描繪出金融科技領域之相關詞彙關聯趨勢圖，挖掘未來潛在趨勢。 本研究之結果了解金融科技在各時期的趨勢發展變化與尋求脈絡，以及過去各時期之專利佈局，因而從結果中發現金融科技之發展方向主體為支付領域，許多支付科技接連出現在三個時期中。然而近幾年，其他金融領域如投資、融資、保險、資料分析等也漸漸浮出，從本研究之第三個時期的高頻字詞高達34個可看出，可見金融科技之專利發展佈局已快速從支付領域拓展至其他金融領域。本研究所挖掘出之潛在趨勢顯示了未來金融科技領域中將會有五大重點發展領域，分別為服務整合領域之雲端科技、支付領域之生物辨識與穿戴支付與加密貨幣、資料分析領域之機器學習與人工智慧、信息收集與處理領域之遠程信息處理科技、以及理財投資領域之理財機器人。 期望本研究結果能幫助企業，在面臨新科技不斷衝擊產業，而產業不斷尋求創新發展之下，能夠快速檢閱目前市場趨勢，藉此釐清並改善自身之發展策略，以因應外部環境之變動，提供企業作為金融科技發展之策略參考，也能有助於企業釐清與制定金融科技之投資方向，以擁有持續的競爭優勢。 / Nowadays, with the rapid advancement of information technologies, the changes of business environment and the way to deal with the changes are becoming faster and faster. The development and adoption of new financial technologies has made many enterprises pay more attention to the research and development (R&D) initiatives. Besides, making good use of patent information can effectively save the budget and time of R&D, so how to effectively use patent information is an indispensable part for enterprises to maintain their competitive advantages. This study collected the patent data from the national patent database, and divided the data into three periods, and distinguished the data between the applying and the applied patents. Through the text mining techniques and chance discovery, this study explored the development and trends of financial technology and also aimed to understand the relevance and differences between the major terms in each period. Then, with the visual tool, KeyGraph, this study illustrated the associations between related terms, and proposed the potential future trends based on the graphs. The results of this study help monitor the changes of the trends and financial technology’s development in the three periods, and understand the patent portfolios in each period. This study has found that the main direction of financial technology’s development is the payment field. Many technologies related to payment have successively appeared in the three periods. However, in recent years, other financial areas such as investment, financing, insurance, data analysis and other areas are gradually emerging, since we found 34 high-frequency terms in the third period. This also shows that the development of financial technology’s patent portfolios has expanded from payment to other financial areas. The potential trends of financial technology’s development in this study are five areas, namely, technologies of cloud, biometric and wearable payment and cryptocurrency, machine learning and artificial intelligence, telematics technology, and robo-advisors. It is expected that this study can serve as a reference for the development of financial technology, and help enterprises be able to quickly review their current market trends, clarify and improve their own R&D strategies to respond to the changes in the external environment. Also, it is hoped that the results can help enterprises clarify and develop their own investment directions to maintain competitive advantages.

隨著時代的變遷，家庭結構出現了龐大變化。尤其在社會氛圍瀰漫著「不婚、不生」的風氣下，人口轉型的速度比起過去大幅增加。根據行政院主計總處的調查，近年來單人家戶以及夫婦兩人家戶占總家庭戶數的比重已增長至33.01%。因此，在「單人」、「頂客」家庭越來越多的情況下，不僅僅改變了社會型態，也改變了家庭的消費模式。所以說，本研究企圖利用家庭收支調查以及普查資料進行分析，並使用R軟體運算資料以及視覺化呈現空間資訊。其研究的方向與重點有三：第一，本研究旨在探討在不同背景條件下，會分別產生出何種樣貌的單人家戶以及頂客家戶類型，以針對各類型家戶進行人口樣貌與背景特徵的比較分析；第二，於分類後，結合2010年普查資料中的鄉鎮市區地理資訊，來歸納出不同的家庭類型其區域分布的差異；最後，再使用家庭等值規模尺度之概念，從家庭的收入、消費支出著手，以瞭解在不同的單人家戶、頂客家戶類型中，其消費樣態的差異為何？單人家戶是否能夠達到與頂客家戶相同甚至更高的生活風貌？並探究出單人家戶者究竟能否透過消費來實現「樂單」生活。 本研究結果發現，在分布與特性中，無論是在單人家戶抑或頂客家戶，個人的背景會影響其未來組成家庭的樣貌，大部分的青年人口皆為高學歷，也因為教育年限的延長以及晚婚，導致這些人成為單人家戶抑或是頂客家戶的比率也隨之成長。尤其是在單人家戶裡的青年人口，逐漸成為現代中不容小覷的一群，其比率僅次於第一高的離異單人家戶。而在區域分布的部分，可以發現，單人家戶與頂客家戶的高齡人口比例，已足以影響整體家戶區域分布的狀況，實有必要透過本研究中的五種以及三種分類加以說明，才能夠更為精確地描述出各家戶的分布狀況。 最後，在消費趨勢中，則可以發現，一個家庭位於不同生命週期以及不同家庭規模之下，會呈現出不同比例的消費特性，家庭中的所有消費，除單人戶之外，均須考慮到規模經濟的影響，所以，最後研究者利用等值規模尺度概念進行運算，得出在單人階段與年輕夫妻階段，於家庭收支調查所列的消費項目都有較高的消費支出，而單人家戶又比頂客家戶更高，因此，由本文即可證明，單人家戶的消費，的確能夠比起其他家戶更為自由，其消費會以精美、自我實現為最大考量，使自己能夠獲得享受獨居生活之樂趣，所以說，「樂單」一詞足以取代「孤單」，成為「單人者」的新興代名詞。 / As time goes by, the structure of family has made some changement. Especially under the atmosphere of “no marriage, no plan to give birth to a child” within this society, the speed of demographic transition has risen intensely than the old times. According to the survey of The Directorate General of Budget, Accounting and Statistics (DGBAS) of Executive Yuan, the percentage of One-person household and Married-couple household have increased to 33.01% in all kinds of household. Hence, the increase of One-person, DINK household has not only change the social type but also the way of consumption of a family. This study attempt to analysis the changement by the Survey of Family Income and Expenditure and census data. I use R to run statistic data, and also to visualize space information. The research focus on three points: First, I would like to know what kind of One-person household and DINK household will be formed under different condition to do comparative analysis. Second, after categorizing, combined with the geography information in 2010. To distinguish the distribution pattern difference within each type of household. In the end, use the Household Equivalence Scale to see through the difference of consumption to be affected by income and consumption. If One-person household can be living at the same or even better than the DINK household? I would also like to know if One-person household can live their “Quirkyalone” life simply through consumption. According to the result, personal background will affect the future household feature both in One-person and DINK household. Most of the youth are highly educated, due to the extension of years of education and the postpone of going into marriage. These kind of persons are more likely to become One-person household or DINK household. Particularly the youth in the One-person household, their rate after the highest divorced One-person household. In the regional distribution, proportion of elderly population in the One-person and DINK household can affect the regional distribution of households. It needs to explain by the five and the three categories in this study, then precisely describe the distribution of household ratio. In the consumption trends, when a family at different stage and scale of life cycle will present different portion of consumption features. However, this proportionality is to ignore the fact that composition of One-person household is less than DINK household. Therefore, to take the effection of economies of scale into consideration, during single and newlyweds stage they have higher expense within the Survey of Family Income and Expenditure. Above all, the One-person household is higher than the DINK household. Thus, as a result, I can prove that the One-person household is more liberated than other household. They will take their self-fulfillment maximize into consideration while making consumptions. To increase the enjoyment of living alone. In a nutshall, “Quirkyalone” is a word that can replace “lonely”.

近年來有很多關於退休金計畫的研究主要在探討從確定給付計畫(defined benefit plan)轉向確定提撥計畫(defined contribution plan)趨勢的影響。而這些早期的研究(Clark and McDermed(1990 and 1993), Gustman and Steinmeier(1992), Ippolito(1985, 1986, 1993, and 1997), and Kruse (1995); Papke(1994, 1996)and Papke, Petersen and Poterba(1996)主要是利用計畫個數的改變或者是計畫參與者人數的增減來作為衡量此一趨勢影響力的指標。然而，這兩項指標從退休收入多寡的觀點來看，卻無法反應此一趨勢對於員工福利的影響程度。Wang andVanDerhei(2000)利用了「雇主退休金成本」的新概念，探討此一趨勢的影響。而本篇論文將要延續Wang and VanDerhei(2000)的研究，藉由衡量雇主慷慨程度的改變，進一步分析此一趨勢對於員工未來退休收入的影響程度。為了檢視雇主退休金慷慨度是否有隨著時間以及環境變化而有所不同，我們利用OLS迴歸模型來分析在兩段期問中（1985年與1996年）雇主退休金慷慨度的變化。結果發現在確定給付計畫及401(k)計畫之下，退休金計畫存在的時間愈長以及工會的支持對於雇主慷慨程度都有正面的影響。在財務變數方面，我們則是發現不論哪一種型態的退休金計畫，稅前收入金額的多寡對於雇主慷慨程度均具有正面的影響。此外，利用Chow Test，我們發現確定給付計畫在1985年和1996年的確具有結構上的改變，進一步分析之後，發現退休金計畫存在時間愈長、工會的支持、金融相關產業、固定資產佔總資產的比例以及稅前收入金額的多寡對於1996年確定給付計畫下之雇主退休金慷凱度的正向影響遠大其對於1985年的確定給付計畫。在員工退休福利上，我們則是發現401(k)計畫的雇主相對提撥率在過去20年有明顯地成長，這意味著401(k)計畫下的員工在過去20年裡的退休福利有明顯的增加。 關鍵字：退休金趨勢、雇主退休金慷慨度、確定給付計畫、確定提撥計畫、401(k)計畫 / Much debate has devoted in recent pension literature to discuss the impacts of current pension trend toward defined contribution(DC) plans, especially the substitution effect between 401(k) and other pension plans. However, the“generosity”of the employer pension plan deserves little attention. This paper analyzes the impacts of the effects of this trend on workers' future retirement income by measuring the changes of employers' pension generosity. We construct a panel data of firms that sponsor at least one pension plan in 1985 and compare the changes of their pension generosity for DB, DC and 401(k) plans between 1985 and 1996. OLS Regression Models are adopted to analyze the generosity of employers' primary plan and supplemental plan and Chow test is conducted to test the structural changes between 1985 and 1996. Our results find that plan age and union status have positive impacts on employers' generosity ofDB and 401(k) plans. For financial variables, pretax income is an important consideration to employers' generosity disregarding the type of plan. In addition, we find that there was a structure change ofDB plans between 1985 and 1996 and that union status,plan age, financial etc. industry, proportion of fixed assets and pretax income have greater positive impacts on employers' generosity ofDB plans in 1996 than in 1985. For employees' retirement income, the matching rates have grown over the last two decades and this stands for that employees covered by 401(k) plans have received better retirement benefit over the last two decades. Key words: Pension trends; Employers' generosity; Defined benefit plan; Defined contribution plan; 401(k) plan

本研究針對臺灣摩根指數的成分股進行分析，研究樣本期間從2008年至2010年，合計三個年度，正好歷經景氣的一個多空循環週期。本研究利用技術指標作為判讀多空的工具，技術指標包含價與量的技術分析工具，價格的技術指標有趨勢指標MA、擺盪指標KD與MACD，量的技術指標則是OBV。並利用優化的方式挑選出合適的參數值。本研究的風險控管則是控管個股的偏離程度，當允許的偏離程度愈大，模型便愈能區別出強勢股與弱勢股，風險的衡量指標則是採用年化追蹤誤差值來衡量，本研究設定的限制條件為最大累積年化追蹤誤差值不得超越6%。 實證結果發現，當模組的模型年化追蹤誤差值設定愈大，個股的偏離程度就愈大，模組的報酬表現就愈佳，但同樣的風險也愈大，即年化追蹤誤差值愈大。當模型年化追蹤誤差值設定在24%，並搭配MA、MACD與OBV三個技術指標得到的績效最佳，同時亦能夠將風險控制在設定的6%水準之下。 / This study analyzed the component stocks in MSCI Taiwan Index. The analyzed data from 2008 to 2010 was exactly an economic cycle. The study was based on technical analysis, including price and volume to judge that the price was bullish or bearish. The price technical analysis included Moving Average (MA), Stochastic Line (KD) and Moving Average Convergence and Divergence (MACD). The volume technical analysis was On Balance Volume (OBV). The study used the method of optimization to choose the best parameter of each technical analysis. The risk control was to limit the bias of each stock. When the bias of each stock was larger, the model could easily distinguish the stock was bullish or bearish. The risk indicator was annual tracking error limited to 6% in the study. The empirical results showed that the larger the model annual tracking error set, the large bias the stock show, and the outperformance of the return. But with the performance of the return larger, the risk of tracking error was also getting larger. When the model annual tracking error set to 24%, and utilized MA, MACD and OBV would get the best performance and the risk of annual tracking error was under 6%.