本研究目的，在利用PISA 2003資料庫為例，分辨數學自我概念、自我效能與數學成就關係之模式的建構。本研究選香港為研究對象，以參加PISA 2003的4402名香港的15歲學生為樣本來進行本研究。本研究運用探索性因素分析(EFA)檢視自我概念與自我效能之測量指標的信效度。分析結果顯示，「自我概念」與「自我效能」的測量模式的建構達良好的信效度。另一研究結果顯示，學生數學自我概念對數學成就之間沒有直接的影響效果，但會透過數學自我效能此中介變項，而產生對數學成就的間接影響效果。此外，在雙交叉驗證方面，顯示研究二組樣本具有交叉效度，研究模式之接受性均相當高。 / The purpose of this study was to examine the relationship among self-concept, self-efficacy, and performance in mathematics. The PISA 2003 Hong Kong data was used as an example. There were 4402 15-year-old participants in this survey. Explore factor analysis was used to identify the good measurement models of self-concept and self-efficacy in PISA 2003. The results showed that the measurement models had high reliability and validity. The other result showed self concept had no direct effects on the mathematics achievement. But under the mediation of the mediator, such as self-efficacy, there was indirect effect on the mathematics achievement. Analysis also showed that the two sets of samples have presented cross validity, the research model is highly acceptable.

在統計學上，高維度常造成許多分析上的問題，如進行多變量迴歸的假設檢定時，當樣本個數小於樣本維度時，其樣本共變異數矩陣之反矩陣不存在，使得檢定無法進行，本文研究動機即為在進行兩群多維常態母體的平均數檢定時，所遇到的高維度問題，並引發在分類上的研究，試圖尋找解決方法。本文研究目的為在兩種不同的正則化方法中，比較何者在檢定與分類上表現較佳。本文研究方法為以 Warton 與 Friedman 的正則化方法來分別進行檢定與分類上的分析，根據其檢定力與分類錯誤的表現來判斷何者較佳。由分析結果可知，兩種正則化方法並沒有絕對的優劣，須視母體各項假設而定。 / High dimensionality causes many problems in statistical analysis. For instance, consider the testing of hypotheses about multivariate regression models. Suppose that the dimension of the multivariate response is larger than the number of observations, then the sample covariance matrix is not invertible. Since the inverse of the sample covariance matrix is often needed when computing the usual likelihood ratio test statistic (under normality), the matrix singularity makes it difficult to implement the test . The singularity of the sample covariance matrix is also a problem in classification when the linear discriminant analysis (LDA) or the quadratic discriminant analysis (QDA) is used. Different regularization methods have been proposed to deal with the singularity of the sample covariance matrix for different purposes. Warton (2008) proposed a regularization procedure for testing, and Friedman (1989) proposed a regularization procedure for classification. Is it true that Warton's regularization works better for testing and Friedman's regularization works better for classification? To answer this question, some simulation studies are conducted and the results are presented in this thesis. It is found that neither regularization method is superior to the other.

公司治理之發展是國際注目潮流，OECD已指明「保障股東權益」是公司治理一項重要內容，而公司治理原則下的「股東行動主義」，是鼓勵股東參與公司治理。近年經營權之爭，公司派「依法」操控股東會之特殊現象時有耳聞，而架空股東會議事的亂象，使得維護股東權益變成空談。 有鑒於此，筆者擬在探究公司派架空股東會議事的內容後，分別由股務作業、股東會議事程序、委託書統計驗證與表決票(選舉票)封存作業與證據保全等方面，進一步提出改良股東會議事的策略，以求實踐公司治理的願景。 / It is an international trend to pay much attention to corporate governance. OECD identified that a corporate governance framework should protect and facilitate the exercise of shareholders’ rights. One of the shareholders’ rights is to participate in, and to be sufficiently informed on, decisions concerning fundamental corporate changes. Shareholders’ activism exists only while legal and regulatory requirements that affect corporate governance practices should be consistent with the rule of law, transparent and enforceable. However, many controlling shareholders “legally” manipulated agendas and resolutions of shareholders’ meetings for the past years. In this way, shareholders’ rights could be nothing and there were little corporate governance remained. Therefore, after analyzing how controlling shareholders manipulated in shareholders’ meetings, this thesis proposed strategies to improve the law on shareholders’ meetings. Such strategies included the aspects of (1) stock affairs, (2) procedures for shareholders’ meetings, (3) proxies tally and verification and (4) perpetuation on used voting slips or ballots. The author was expecting that there will be better legal basis to push ahead corporate governance for public companies in Taiwan.

本研究預測違約機率的方法為:Binary Regression Quantiles(二元分量迴歸)，此理論基礎與預測方式是使用美國學者Grigorios Kordas(2004)的方法，將分量迴歸運用在應變數為二元的屬質變數上之計量方法。 最小平方法是目前最常見到的迴歸分析，但在古典線性迴歸模型中，應變數的解釋是來自於自變數的相對應的平均變化，而忽略了不同規模與分配下應變數的邊際變化，本文試圖以此方法和以最大概似估計法所建構出的Logit模型做一比較，而研究資料為台灣於民國85年至93年曾被列為全額交割類股的上市公司。 本研究發現Kordas (2004)的方法，雖然能將分量迴歸應用在屬質二元變數上，但是在預測方面相較於傳統Logit方法卻沒有出現較佳的預測能力。 / The method implemented in PD calculation in this study is “Binary Regression Quantiles”. The foundation of the research and the way to forecast is according to the Ph.D Thesis of Grigorios Kordas(2004). He apply the binary variable for Quantile Regression. The Ordinary Least Square is the most common way to regression analysis, but in the classic linear regression the change of dependent variable comes from the independent variable averagely. It neglects the marginal change of the dependent variable according to different scale and distribution. We want to compare the Binary Regression Quantiles with the Logit Regression. Although we could apply the binary variable for Quantile Regression successfully, the outcome of the forecast is not as efficient as the Logit Regression.

在競爭激烈的借貸市場中, 銀行業者為求迅速做出適當的授信決策必須藉助信用評分機制, 於此「信用評分」已逐漸成為銀行業者授信決策的重要依據。 國內外雖有許多關於「信用評分模型」的相關文獻, 但對於評分卡整體建置與驗證過程的敘述並不詳細, 諸如解釋變數的序別化、 案控樣本的問題、 以及評分模型的驗證。 此外, 本文將「ROC」分析的概念引入解釋變數的序別化過程, 以提昇模型的辨識力, 不同於以往對解釋變數的序別化皆採行簡單的均分或主觀的序別化方式。 信用評分模型為了要能適用於各種經濟環境, 必須加入「控制變數」 (control variables) 以控制外在環境, 本文認為信用評分模型一旦加入控制變數後, 對於「信用評分模型驗證」除了看總評分的驗證統計量外, 還必須將控制變數控制在給定的條件下進行驗證, 才能確保「信用評分」實際運用時的穩定性與可靠性。 本文將提出控制變數在給定控制值的情況下, 評分模型在驗證時所面臨的問題以及解決方案。 故本文對信用評分模型的建置與驗證的主要貢獻為: (1) 提供評分模型的建置過程與驗證方法; 以及 (2) 信用評分模型加入控制變數之運用與驗證方法。 本文實證使用台灣經濟新報資料庫的企業財務比率資料, 建置預測企業財務危機的信用評分模型, 並與「台灣經濟新報信用風險指標」 (TCRI) 進行比較, 結果顯示本文所製作的信用評等指標優於已行之多年之 TCRI。

傳統上國人寄望養兒防老，但面臨少子化及壽命延長，家庭已無法獨力負擔照顧老年人的責任，必須仰賴個人（老年人自己）、國家及政府分擔人口老化造成的需求，這也是政府在過去二十年來積極投入更多資源，制訂與老年人有關的社會保險、福利及政策的原因。像是1995年開辦的全民健康保險提升了全民健康，其中老年人受惠尤多；2005年的勞工退休金條例、2008年的國民年金保險等，則是因應我國國民壽命延長的社會保險制度。對於未來費用的需求估算，需要依賴可靠的死亡率預測，但大多數預測並沒有將死亡率改善列入考量，勢必低估長壽風險的衝擊，影響個人的財務規劃、增加國家負債。 有鑑於此，本文研究常用的死亡率模型，評估哪些適合用於描述高齡死亡率的變化，且能用於計算年金商品的定價。本文考量的模型大致分成兩類：關係模型(Relational Models)及隨機模型(Stochastic Models)，第一類包括常用於高齡的Gompertz、Coale-Kisker模型，以及Discount Sequence模型，第二類則有Lee-Carter及CBD等模型。模型比較的方式以長期預測和短期預測，選用交叉驗證的方式驗證死亡率模型的預測結果與觀察值之間的差異。研究結果顯示Discount Sequence、Lee-Carter、CBD隨機模型較能準確描述台灣、日本與美國等三個國家的死亡率特性；但這三個模型在年金險保費並沒有很明顯的訂價差異。另外，若用於短期預測、長期預測比較，又以Discount Sequence的預測結果優於Lee-Carter模型的預測。 / Traditionally in Asia, families played the main role in caring their own elderly (i.e., parents and grand-parents), but the declining fertility rates and longer life expectancy make it difficult for the families to take care of the elderly alone. The elderly themselves and the government need to share the burden caused by the aging population. In fact, most Taiwan’s major social policies in the past 20 years are targeting the elderly, such as National Health Insurance, Labor Pension Act and National Pension Insurance. Their planning and financial solvency rely on reliable mortality models and their projections for the elderly population. However, many mortality models do not take into account the mortality improvements and thus underestimate the cost. In this study, we look for elderly mortality models which can reflect the mortality improvements in recent years and use them to price the annuity products. Two types of mortality models are of interest: relational models and stochastic models. The first group includes the Gompertz model, Coale-Kisker model and Discount Sequence; the other group includes the Lee-Carter and CBD models. We utilize these mortality models to project future mortality rates in Taiwan, Japan and U.S., along with the block bootstrap and ARIMA for projection. The model comparison is based on cross-validation, and both short-term and long-term projections are considered. The results show that the Discount Sequence, Lee-Carter model and CBD model have the best model fits for mortality rates and, for the short-term and long-term forecasts, the Discount Sequence is better than the Lee-Carter model.

我國自83學年度推動教育改革以來，至94學年度為止，學士班人數已由30萬2,093人增加為93萬8,648人、碩士班人數由3萬832人增加為14萬9,493人、博士班人數則由8,395人增加為2萬7,531人，可見近年來大專校院學生數可謂急遽地增加。而我們由94學年度大學考試分發入學錄取率高達89.08％，更顯示進入大學就讀已絕非難事。然而鑒於我國2005年的出生人口數已從2000年的30萬5,312人降至20萬5,854人，在此少子化的趨勢形成影響前，93學年度大專校院的缺額數卻已高達6萬471人，顯現出大專校院的招生呈現出明顯供過於求的現象。研究者於是對中央主管教育行政機關以「總量管制」方式核定大專校院招生名額的機制產生濃厚研究興趣。 　　本研究採用「文獻分析法」及「問卷調查法」等兩個研究方法進行研究，其中旨在探討此大專校院招生名額總量管制之政策沿革與現況，並以更多元、開放的角度探討大專校院招生名額總量管制應達到哪些預期效益且嘗試建構其因素模式，接著依據前述預期效益建構出適當的大專校院招生名額總量管制指標，最後則探討不同背景變項(如性別、年齡、最高學歷、身份、學校體系、學校性質等)的受試者對大專校院招生名額總量管制預期效益與指標看法之差異。 　　本研究以李克特六點式量表、網路問卷形式設計成「大專校院招生名額總量管制預期效益與其指標調查問卷」來作為研究工具，並以「兩階段取樣」的方式來廣泛蒐集大專校院教師、職員與學生等研究對象的同意程度看法。其中第一階段係分別藉由函請各校轉寄E-mail通知該校教職員及學生上網填答、至各校bbs發表文章進行問卷施測通知等兩種途徑，獲得回收樣本數8,473份，扣除無效問卷317份後，總計有效回收問卷為8,156份，並據以建置為樣本資料庫。第二階段則採分層隨機抽樣方式分別於大專校院教師、職員及學生等三層各抽出336個樣本，總計獲得1,008個樣本。 此1,008個樣本將分別以SPSS 13.0及LISERL8.72等兩套統計軟體進行資料分析，其中將採用次數分配與百分比、算術平均數與標準差、t檢定、獨立樣本單因子變異數分析、驗證性因素分析等統計方法進行分析，並經專家效度、聚合效度、區別效度及交叉驗證效度、Cronbach’s α係數、潛在變項的組合信度、個別觀察變項的信度等檢定過程中證實本研究具有良好的研究效度與信度。 　　本研究總計建構出13個大專校院招生名額總量管制預期效益，其同意程度平均數(M)介於4.48∼5.28之間，同意百分比(P)則介於81.5%∼96.4%之間；至於此預期效益之因素模式則也獲得相當良好的適配結果，並據以證實大專校院教師、職員與學生對於大專校院招生名額總量管制預期效益的同意程度看法，會受到「保障大專校院教學品質」、「符合學生性向與需求」「符合就業市場人力與專業需求」、「大專校院競爭力之維持與提昇」等4個潛在因素構面(或稱構念)的影響。接著，並依據前述預期效益建構出26個大專校院招生名額總量管制指標，其同意程度平均數(M)介於4.30∼4.94之間，同意百分比(P)則介於79.0%∼93.9%之間。 此外，本研究亦發現，在性別、年齡、最高學歷、身分、專兼職情形、學校體系與學校性質等7個不同背景變項的受試者對大專校院招生名額總量管制預期效益與指標之同意程度看法的差異中，除了不同「學校體系」變項的受試者對指標看法沒有顯著差異、但對預期效益看法有顯著差異外，其餘6個不同背景變項皆在預期效益與指標的看法上有顯著差異。 最後，本研究並依據研究成果，提出下列具體建議： 一、總量管制預期效益不宜只考量「維持教學品質」，應進一步關注學生 　　需求、就業市場需求、以及學校競爭力等方面的預期效益之達成情 　　形。 二、總量管制指標不宜只考量到生師比、師資結構與校舍面積等指標，應　　以多元觀點發展出更多指標，以充分掌握招生管理資訊。 三、總量管制不應侷限在「每年成長總量的管控」，而應納入「減少招生　　名額」的情境條件。 四、宜適度減少各校擴增招生名額的誘因。 五、宜研議總量管制業務整併之可行性。 六、總量管制資料的蒐集宜化被動為主動，以掌握客觀審查資訊。 / When Taiwan setting into education reforms from 1994 school years till 2005 school years, the students at classes of bachelor degree increase to 938,648 from 302,093, the students at classes of master's degree increase to 149,493 from 30,832, the students at classes of doctor's degree increase to 27,531 from 8,395. It is perceived that students of higher education increasing rapidly. Furthermore, the admission rates of universities' enrollment paths by entrance examination grades reaches 89.08％, it appears that entering into universities is not hard anymore. However, since population of births had reduced to 205,854 at the year of 2005 from 305,312 at the year of 2000, and before the impact of trends of few-children, the vacancies of enrollment of higher education had reached 60,471, we can find a obvious phenomenon that the supply of enrollment of higher education exceeds the demand. So I have a strong interest in the mechanism of how Ministry of Education ratifying the enrollment of higher education by the method of "Total Amount Control". 　　The study adopts two approaches, that is "literature review" and "questionnaire survey", and it explores the policy's developing progress and current situation of the enrollment's total amount control of higher education. Furthermore, it explores what expected effectiveness of the enrollment's total amount control of higher education should be reached with the diverse and liberal viewpoints, and tries to construct its factor model. Then according to the expected effectiveness, we establishes appropriate indicators of the enrollment's total amount control of higher education. Finally, we explore if subjects with different background variables, such as sex, age, degree, identity, full/part time, system of school, character of school, will have significant differences about opinions of expected effectiveness and indicators of the enrollment's total amount control of higher education. 　　The study designs the "questionnaire of expected effectiveness and indicators of the enrollment's total amount control of higher education" with Likert six point scale and network questionnaire, and broadly collects samples of teachers, officers, and students of higher education by the methods of "Two stage Sampling". At the first stage, I use two survey ways, that is e-mail informing and bbs informing, and I get 8,473 returned samples, and finally get 8,156 valid samples after reducing 317 invalid samples. At the second stage, I gains 1,008 samples from three layers of teachers, officers, and students of higher education with "stratified random sampling". 　　The 1,008 samples will be analysed by two software of SPSS 13.0 and LISERL8.72. The ways of analysis include frequency and percentage, average and standard deviation, t-test, one-way ANOVA, confirmatory factor analysis. Furthermore, after the examining of expert validity, convergent validity, discriminant validity, cross- validity, Cronbach's α, composite reliability, and individual observed variables' reliability, we have confirmed the study has good study validity and reliability. The study finally constructs 13 expected effectiveness of the enrollment's total amount control of higher education, and its average of agree extent between 4.48 to 5.28, its agree percentage between 81.5% to 96.4%. Furthermore, the factor model of that expected effectiveness has good fit results too, it confirms that the opinions on expected effectiveness of the enrollment's total amount control of higher education will be influenced by the latent factors of "Ensure the teaching quality of higher education", "Matching with students' aptitude and needs", "Matching with manpower and specialty's needs of job market", "keep and promote the competitive ability of higher education". Then according to the expected effectiveness, we establishes 26 indicators of the enrollment's total amount control of higher education, and its average of agree extent between 4.30 to 4.94, its agree percentage between 79.0% to 93.9%. 　　Furthermore, the study find among the opinions' difference of agree extent on expected effectiveness and indicators of the enrollment's total amount control of higher education from 7 different background variables, such as sex, age, degree, identity, full/part time, system of school, character of school, beside the "system of school" haven't significant difference on indicators but have on expected effectiveness, other 6 different background variables all have significant difference on expected effectiveness and indicators. 　　Finally, according to the results of this study, I propose some suggestions as follow: 1.The expected effectiveness of total amount control shouldn't be restricted within "maintain teaching quality", we should consider the expected effectiveness' implement of students' need, job market's need, and school's competitiveness further. 2.The indicators of total amount control shouldn't be 　restricted within the indicators of student-teacher rates, 　structure of teacher, superficial contents of school 　buildings only, we need more indicators with diversified 　viewpoints to get information for enrollment's managing. 3.The total amount control shouldn't be restricted by "the 　amount control of every years' growth", we need to add the 　conditions of "reducing enrollment". 4.We should try to appropriately reduce the "inducing factors" 　of universities increasing enrollment. 5.Ministry of Education should try to merge the affairs of 　total amount control from different departments. 6.We should collect the data of total amount control actively 　instead of passive, so that we can get objective information 　to examine.

由於台灣地區的生育率變化較大，之前的研究發現其他各國的生育率模型不見得適用，亟需建立可反映我國國情的生育率模型。本文引用台灣、日本、荷蘭、美國（亞洲、歐洲、美洲）等經濟發達國家的出生資料，配適包括Gamma、Lee-Carter、主成份分析、年齡組個別估計法、擴散模型等較為常用的模型，比較這些國家配適結果的異同。分析發現，如果要預測總生育率，台灣、日本、美國都是以年齡組生育率個別配適擴散模型的結果最佳，荷蘭則是年齡組個別估計法；在年齡組生育率的預測方面，台灣、日本、荷蘭都是以年齡組生育率個別配適擴散模型最好，美國則是以年齡組個別估計最好。此外再從相對穩定性或相對效率的角度來評判，一樣是以年齡組生育率個別配適擴散模型或年齡組個別估計的總生育率預測結果最佳。最後還觀察到台灣地區和各縣市的有偶婦女比例和生育率呈正向關係，平均生育年齡和生育率呈反向關係，各縣市在有偶婦女比例、生育率、平均生育年齡的變化並不一致，各年齡組有偶婦女比例和生育率的改變也不盡相同。

許多研究證實企業落實企業社會責任（CSR），有助增進與利害關係人關係。然而，不同利害關係人對不同面向之CSR的態度因重視程度高低而有差異，若企業能以特定利害關係人所注重之CSR面向進行溝通，溝通效果將事半功倍。「天下企業公民獎」是國內CSR獎項的先行者，透過將CSR分為「公司治理」、「企業承諾」、「社會參與」與「環境保護」，邀請專家學者對參獎企業進行各構面的評比。此獎深耕台灣，許多企業視此獎為自身CSR的年度總體檢。 本研究以民眾角度，探討天下企業公民獎四大構面是否為衡量CSR的顯著指標，及各構面之衡量題項是否能真實反應該構面意涵。其次，探討四大構面在消費者心中的相對重要性，並進行跨產業比較：探討是否因產業不同，使民眾對四大構面的重要性排序發生改變。最後透過重要性－績效分析法，找出各產業之代表企業（玉山金控、華碩電腦與中華電信）在民眾心中仍可加強的CSR構面。本研究之有效網路問卷共344份（金融業115份、製造業117份、服務業112份），透過LISREL進行二階驗證式因素分析。研究結果歸納如下： 一、四大構面皆為衡量企業社會責任的顯著指標。 二、「環境保護」、「社會參與」、「公司治理」之題項皆為衡量構面的顯著指標。「企業承諾」構面下則有兩題項對該構面的解釋能力不足。 三、民眾對於企業社會責任之四大構面的重要性排序為「企業承諾」＞「公司治理」＞「環境保護」＞「社會參與」。 四、「企業承諾」在民眾心中屬於相對重要性高的構面。若企業透過企業承諾構面的CSR作為與民眾溝通，推測能夠有達到較佳的溝通效果。 五、對於三間代表企業而言，「企業承諾」皆為民眾較重視的構面，但玉山金控與華碩電腦在民眾心中的表現績效偏低，建議可列為優先改善重點。 六、企業的「社會參與」績效佳，但民眾認為重要性低，故可將資源重分配。 / Companies nowadays face an ever more difficult environment and more demanding stakeholders. This means corporate social responsibility has become a new area offering opportunity for reducing risks and developing new competitive advantages. Previous research has shown that corporate social responsibility helps companies better communicate with stakeholders and increase brand value as well as reputation. “CommonWealth Magazine Corporate Citizen Award” is the pioneer in domestic corporate social responsibility awards. Its corporate social responsibility (CSR) framework takes four dimensions into account, including Corporate Governance, Corporate Commitment, Community Involvement, and Environmental Protection. Annually, experts and scholars are invited to grade on these four dimensions, and awards are given out to the top 100 corporate citizens. The award is in its 11th consecutive year. With its long tradition and reputation, many companies regard this award as the annual examination for their corporate social responsibility practices. From the customers’ perspective, this study examines whether the four dimensions given by CommonWealth Magazine Corporate Citizen Award can be significant indicators for corporate social responsibility, and whether the measuring questions truly reflect each dimension. Next, it moves on to examine the relative importance for consumers of the four dimensions, including cross-industry comparison. By including the financial industry, the manufacturing industry and the service industry, it examines whether people would rank the four dimensions in a different order according to different industries. Finally, by applying Importance-Performance Analysis (IPA), it analyses the dimensions for three representative corporations in each industry (E. Sun Financial Holdings Company, ASUSTEK Computer Inc, and Chunghwa Telecom Co., Ltd.) Based on these findings, suggestions for improvement are made. With 344 valid online questionnaires (115 in the financial industry, 117 in the manufacturing industry, 112 in the service industy) and using second-order CFA in LISREL, the research findings are summarized as below: 1. All four dimensions are significant indicators for measuring corporate social responsibility. 2. The measuring questions for “Environmental Protection”, “Social Involvement” and “Corporate Governance” dimensions are all significant indicators for their respective dimensions. However, two measuring questions in “Corporate Commitment” do not provide sufficient explanation of this dimension. 3. People rank in the order of importance the four dimensions of corporate social responsibility as follows: Corporate Commitment, Corporate Governance, Environmental Protection, and Community Involvement. 4. In the cross-industry comparison, “Corporate Commitment” ranks the most or second most important dimension for consumers. Companies are advised to communicate with consumers through activities in this dimension. 5. Consumers place great value on “Corporate Commitment”, while E. Sun Financial Holdings Company and ASUSTEK Computer Inc perform poorly in this dimension. Suggestions are given as to better prioritize the practice of this dimension. 6. “Community Involvement” shows high performance, while consumers actually do not place that much importance on it. Thus, it is recommended that resources should be reorganized.

打造一個好的產品是所有早期新創公司的核心，然而如何將產品從構想到販售並取顧客喜愛，則是一個需要理論與實務結合、不斷實驗的過程。在本論文中，作者將過去三年實際帶領產品-Voltset從出生到成長的經驗紀錄下來並與理論相呼應，探討一個新產品如何透過不斷循環的迭代過程 (iteration process)增加其新產品完整度 (product readiness) 。這三年當中，作者歸納了 Voltset從初期抽象構想的形成，獲得第一位付費的客戶，到後期在全球最大的群眾募資平台上進行全球市場驗證的過程。本論文主要會針對兩大部分做深度討論: 第一部分著重於探討如何在各種實際市場驗證測試中增加產品就緒度，並點出在目前現有理論框架，如: 精實創業 (the Lean startup) 下可能與實際執行面不同之處。根據本產品的經驗，新產品第一次的迭代過程循環應該經由以下幾個步驟：產品目標市場願景、產品本身定義、最小可行性產品構築、意見領袖背書、市場驗證、市場測試與學習。第二部分則是討論當在定義一個新產品的功能與特徵時，如何正確地選擇性聽取以及以什麼方式來聽取目標客戶的需求。根據打造 Voltset產品的經驗，作者發現當潛在客戶聲音太廣泛時，應只聽取”已付費”客戶的意見，因為該族群的產生是藉由深入了解產品價值，並經歷認同與付費過程而形成，因此會在產品的功能與特徵上的需求較聚焦。 本論文藉由親身實務經驗與理論的對話提供深度的產品迭代過程探討，作者期許這樣的研究能對於縮小理論與實務的鴻溝做出貢獻。 / Product building is a core activity for any early-stage startup. However, there are still many gaps between literature to real world practice for successfully developing a product that is accepted by the market. In this thesis, the building experience of Voltset -- a one of the kind hardware and software integrated multimeter, is studied for its journey of product iteration process to increase product readiness. The cofounder of the startup as well as the author of this thesis, has reflected his firsthand experience with literature such as the Commercializing New Technologies and the Lean Startup to seek steps necessary to move the project from shaping an abstract concept, acquiring the first paying customer, and then campaigning a successful crowd funding project. The thesis focuses on answering two questions: First, what are the steps required to enhance product readiness through validation testing from the first business idea to receiving its first group of paying customers. Based on the experience of Voltset and the Lean startup framework, it suggests the first product iteration process should loop through the following stages: Product market vision, product definition, minimum viable product building, key opinion leader endorsement, validation sell, measure, and learn. Second, when a product specification needs to be pinpointed, who and how to listen to the voice of targeted customers (VOC) is the state-of-art question for early-stage startups. Within the scope of this experience, it indicates to focus only on paying customers since they understand the potential value of the new product and have similar needs compare to the wide range of feature request from the rest of potential buyers. This thesis provides the insights of product iteration from first-hand experience, enriching the knowledge gap between real product building and theoretic framework point of view.