本文探討大專生的學業成就，如何受到學生本身的外表吸引力以及工讀的型態所影響。本研究使用國立台灣師範大學台灣高等教育資料庫所建構的「九十二學年度大三學生問卷調查」以及「九十三學年度大專畢業生畢業後一年問卷調查」，以univariate probit model進行分析。研究結果發現：一、具外表吸引力的學生，在平均成績超過80分的機率，比外表較不具外表吸引力的學生高出5.6%；二、具外表吸引力的學生，在進入班級排名前10%的機率較不具外表吸引力的學生高出3.7%；三、雖然從事校外工讀對於學業成就有負面影響，不過從事校內工讀反而對於學業成就有正面影響。 接著以內生性分析的結果顯示，外表吸引力以及校外工讀與學業成就之間存在內生性問題。在recursive bivariate probit model估計下，外表吸引力與學業成就之間的關係仍舊為正向顯著，且男學生的外表吸引力對於學業成就之影響高於女學生；至於校外工讀與學業成就之間的關係在recursive bivariate probit model估計下反而轉變為正，表示在考慮內生性問題之後，校外工讀反而對於學業成就具有正向影響。 最後以trivariate probit model探討外表吸引力、校外工讀以及學業成就三者之間的關係，結果發現在控制外表吸引力下，校外工讀對於學業成就的影響差異並不大，工讀的負面效果並不會因為具有外表吸引力而有所減緩。

This dissertation consists of four papers, each with an application of a discrete dependent variable model, censored regression or duration model to a credit market phenomenon or monetary policy question. The first three essays deal with bank lending policy, while the last one studies interest rate policy by Central Banks. In the first essay, a bivariate probit model is estimated to contrast the factors that influence banks’ loan granting decision and individuals’ risk of default. This model is used as a tool to construct a Value at Risk measure of the credit risk involved in a portfolio of consumer loans and to investigate the efficiency of bank lending policy. The second essay takes the conclusions from the first paper as a starting point. It investigates if the fact that banks do not minimize default risk can be explained by the existence of return maximization policy. For this purpose, a Tobit model with sample selection effects and variable censoring limits is developed and estimated on the survival times of consumer loans. The third paper focuses on dormancy, instead of default risk or survival time, as the most important factor affecting risk and return in bank lending. By means of a duration model the factors determining the transition from an active status to dormancy are studied. The estimated model is used to predict the expected durations to dormancy and to analyze the expected profitability for a sample loan applicants. In the fourth paper, the discrete nature of Central Bank interest rate policy is studied. A grouped data model, that can take the long periods of time without changes in the repo rate by the Central Bank into account, is estimated on weekly Swedish data. The model is found to be reasonably good at predicting interest rate changes. / Diss. (sammanfattning) Stockholm : Handelshögsk.

Heirs' property is generated through the intergenerational transfer of a property to several co-owners when the original owner dies without a will. Such co-owners hold undivided fractional interest in the entire land but lack a clear title. Co-owners face several legal, financial, and technical constraints to manage the forestlands and often seek partition of the land. However, the legal environment and empirical assessment of partition actions on forestlands owned as heirs' property has not been examined. This thesis evaluates statutory laws relevant to forestland partition and the factors instrumental in adjudicating partition lawsuits. The findings reveal that partition lawsuits are primarily adjudicated using common law rather than statutory law. The magnitude of co-owners' fractional interest, the income withheld from forestlands, and the presence of absentee co-owners favor partition claimants. The study results have implications for heirs' property owners, legal entities and personnel, and policymakers.

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