The purpose of this research is to understand Marketing and Social Responsibility of Credit Card through the literature discussion and the secondary material analytic method. This research firstly exploreing a series of discussions to the trend of Credit Card through the data on periodical, paper, and newspaper and advertisement material. With the help of the research material of Credit Card studied by the card organization and in-depth interviews with their clerks, this research find out the key success point of the case bank¡¦s marketing, and how the target bank adopt their suitable marketing strategy in the competitive market. The fields of risk management, brand image, marketing mix and social responsibility of the target bank -The International Commercial Bank of China (ICBC) also discussed. Secondly, the research find out that Credit Card market expand speedy in Taiwan caused of dual influence both in the furious competition and the fact that consumer finance sector aim at "quantity" not ¡§quality¡¨. Due to Credit Card customer screening is not all that rigorous like the enterprise finance sector do, there are many social responsibility problems occured, like Credit Card overflowing, question of student card, false Credit Card and inappropriate collect the receiveable on demand. Financial Supervisory Commission, Bankers Association and Credit Card Organization should play an important role in public policy and corporate social responsibility, avoiding the credit card crisis like that occurred in South Korea. In conclusion, the study synthesizes these findings to propose the comprehensive view, and provides marketing strategy in the credit card marketing; avoid the credit card fasle use and suggestion in the public policy.

Bluetooth is an emerging technology for providing short range, low power, low cost, and ubiquitous wireless environments. In a Bluetooth piconet, the Bluetooth device, known as master, dynamically allocates time slots by way of polling other individual Bluetooth devices called slaves. During the polling interval, a POLL packet will be sent if master has no data to send to the slave; while a NULL packet will be sent if slave has no data to send to the master. Both the POLL and NULL packets are of zero payload and each captures one time slot. In order to avoid transmitting POLL/NULL packets, many polling schemes have been proposed by skipping visit to the slaves that might have no data packet to be sent to the master, but they still have much space to be further improved. In this thesis, we devise a new, efficient and practicable polling scheme¡XCRR (Credit-based Round Robin). In this scheme, the visit to each slave is dynamically adjusted based on the current and historical traffic between the master and slave to reduce the visit to idle slaves. CRR improves the prior polling schemes on four key issues¡GThe first is to enhance the packet transmitting rate and packet receiving rate in a unit time. The second is to avoid unnecessary POLL/NULL packets to save bandwidth and power consumption. The third is to reduce the transmission delay. The fourth is to avoid the starvation and interruption effect. Our simulation results demonstrate that CRR can enhance the throughput among various numbers of active slaves and idle slaves, can improve the transmitting rate and receiving rate of data packets, can reduce the bandwidth by diminishing the visit to idle slaves, and can decrease the packets end-to-end delay. Moreover, to restrict the number of frames exchanged during a single visit to the slave, a threshold is used to prevent the starvation and interruption effect.

In recent years, the government gradually opens the new bank establishment, causes the financial organ to enter another competition the time. However because the petroleum crisis causes the inflation, the original material rise, the interest rate undulation to be frequent, the industrial field and the finance service sector's control relaxes or relieves the limiting condition, causes many investments services multiplex, the negotiable securities, the liberalization and the internationalization. Furthermore, because under the financial service multiplication transformation, its service area separates day by day fuzzily, the financial organ should truly understand the bank storm danger spot, establishes the good risk management system, conforms to principle of the organization safe steady transport business. The new Basel capital accord reached an agreement already is regarded as one of international finance overseeing standards; In its agreement regarding the credit risk credit appraisal, the final goal is expected the silver behavior establishment innate internal credit comments and so on the system (IRB) reflects bank itself the management essence. The computation credit risk standard method and the interior comment and so on the law may say is the important angle in new Basel capital accord , the interior to comment and so on the law is according to 1988 the old version reached an agreement made the revision. This research also aims at in the new old version and new edition the credit risk in the risk weights, carries out the standard, various countries' implementation present situation, and makes the share questionnaire survey to understand our country finance industry and the enterprise regarding the new edition procedure, do again with Europe and America alternately compares. The expectation penetrates these comparative analyses, can discover difference and the improvement revises the place, provides our country financial organ and the proper authorities, faces up to the risk management transport business of regarding the organization importance, truly achieved so-called and international connects rails the goal.

This research the Kaohsiung Area University student cardholder will make two kind of analyses, One for aims at characteristic of the all sample, proposed sends the card bank to the overall market possible promotion. Two for depends on the life state variable to make an area to separate, discusses the cardholder separates the colony when the different market area, sends promotion tool and strategy which the card bank may use. And separates in the colony in the different market area, selects market of the goal marketing, and to factor of the effective influence proposed to sends the card bank actual also the effective suggestion. This research conclusion may induce is two kinds: One for aims at the overall market. In the product strategy aspect, the bank entrepreneur may use the high service quality to take the competitive advantage. In the price strategy aspect, gives compares the preferential benefit the interest rate and the handling charge. In the circuit strategy aspect, promotes staff of bank's talented person quality. In the promotion strategy aspect, ¡§the television advertisements propaganda¡¨ and ¡§recommendation the relatives and friends¡¨ is the main news origin. Two for aims at marketing suggestion the different life state. Among them, ¡§the impulse expends the sensitive group¡¨ when applies for the credit card, its news originates mainly from the network obtains the correlation data, can take to send the card bank well-knownness. Manages the card the motive mainly does not have to carry too many cashes recommendation of and for the transaction convenience for the relatives and friends. Moreover, makes the goal market by ¡§the price complimentary gift sensitive group¡¨. The product strategy aspect, picks the line of different commodity marketing strategy, the increase card design the fine degree. In the price strategy aspect, must pick the line of low circulation interest rate in the cost scope with to make up manages the expense. The circuit strategy aspect, the penetration advertisement media or the oral circuit (for example penetrate recommendation relatives and friends), by effective transmission to goal customer. In the promotion strategy aspect, picks the good dividend in the cost scope to accumulate the spot, the complimentary gift provides.

Abstract This text is the role studying the policy finance and acting in the course of economic development, probe into the government 2001 as the background through the holding company law of the finance, inspected it over the last three years after the government removed and controlled, change in the economic and social category of the local capital market of Taiwan. While studying the financing of small and medium-sized enterprises in the past, documents lacked the deep financing behavior of analyzing small and medium-sized enterprises and bank to study, Uzzi (1999) Think that it influences and promotes private information in the network to share to embedded ties relatedly, at the same time the advantage of the market relation lies in obtaining the public information of the price and loan chance on the market, so different one has different advantage and characteristic relatedly in this financing network. This research asks on the view of regional development, ' the relation finance ' on earth finances of relations whether lower the ground cost effectively? Control the fund that can be apter to draw or tighten even more through the government remove the finance? So, this research is with Granovetter mainly (1985) think that the social embeddedness, analyse the turn of the market of the regional capital from three literary composition surfaces: Including the capital market structure, the debt-credit standard awards the policy of the lender with the bank, and inlay to the related embedded ties role in the debt-credit course. This research adopte the questionnaire and interview law of the depth. Aim at the difference among different banks, such as understanding that credit is close to, service range, and debt-credit way etc. especially give the commercial behavior of small and medium-sized enterprises, the reference while regarding doing as the public decision of regional development in financing about the silver. 1. In remove on gold change by regional capital market structure government to Kaohsjung after changing, it removes and controls the assisting of a gang of banks and local banks to still needing the officer on the financing channels of regional small and medium-sized enterprises of the area of Kaohsjung, have on the financial service of the area again, the financial serivce object that the private gold accuses of is to rely mainly on consumption finance, the service to regional small and medium-sized enterprises is had and still needed to make great efforts. 2. Credit policy of financial institution, after investigation and analysis of this research,it accuse of gangs of bank and officer stock by bank to in enterprise award letter the procedures and loan to put getting looser in standard. In addition as to with pay attention to being greater than the private money accusing of and private bank person who do in the test of market factor, linking the more deeply of its embedability of bank of the local characteristic especially the smaller in scale, the deeper the doing in the test amount is by the factors of people. 3. To small and medium-sized enterprises of the area of Kaohsjung, it has already been used to doing the trade of credit in the bank with local characteristic ; In scale of the capital, the bank of the capital with the larger volume, the procedure has put tediously more long to the loans of small and medium-sized enterprises, must often seek the letter via accusing of two times in charge of the centre , the cost obtaining the fund to small and medium-sized enterprises naturally will be higher, so, the government should offer the norm and respect in considering the localization of the market that the bank classifies, make the big pet bank coexist altogether flourishly.

The asset combination of the multi-target credit derivatives and the pricing model of credit risk, the dependence in credit default in credit derivatives is an important connection factor. Copula functions represent a methodology which has recently become the most significant new tool to handle in a flexible way the comovement between markets, risk factors and other relevant variables studied in finance. Besides, Copula functions have been applied to the solution of the need to reach effective diversification has led to new investment products, bound to exploit the credit risk features of the assets. It is particularly for the evaluation of these new products, such as securitized assets (asset-backed securities, such as CDO and the like) and basked credit derivatives (nth to default options) that the need to account for comovement among non-normally distributed variabes has become an unavoidable task. This article attempts utilizes the credit yield spread between the non-risk bond and the common corporation bond in the market and using Copula functions to make up the relation composition of asset combination. Then, penetrates through the Monte-Carlo Simulation to estimated the default time of asset combination and princing the credit risk spread in the tranche of the Collateralized Debt Obligation (CDO). Besides, this article aims at the asset default recovery rate, the discount rate and the correlation coefficient of asset combination and so on three factors makes the sensitivity analysis, we find that the most effect of the credit default spread in the Collateralized Debt Obligation is asset default recovery rate, next is the correlation coefficient of asset combination, the influence of discount rate is not obvious.

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In the consumer consciousness to surge upward, the product to weed through the old to bring forth the new unceasingly, under the market environment fast icissitude time, wants to maintain the customer loyalty to have all the more difficult tendency. Hence, how to maintain good relationship with customers to strength their willingness to frequent communicate with back has become very important. Therefore for various bank raises one's head in the competition intense environment, then with every effort develops each service, provides measures the financial service and the related product for the customer which the body subscribes does, hoped that can establish the long-time relations. Motivation of this research is to investigate correlations among customer relationship management, customer satisfaction, and customer loyalty from customers¡¦ point of view and through questionnaire to understand credit card holders¡¦ recognized feelings while interacting and communicating with the issued bank. The research targets are credit card holders live in Tai Chung city. The available sample size is 385, this research main analysis result is altogether as follows: First, the partial demographic variables are related to credit card holding situations. The results could be a reference for operator in planning for related marketing strategy Second, the partial demographic variables and credit card holding situations have significant differences to customer relationship management, customer satisfaction and customer loyalty. Third, There is positive relationship customer satisfaction and customer relationship. Customer satisfaction affects customer relationship, which means when customers recognize credit card issuing bank more then the relationship will show betters. Discovered according to this findings that the customer will relate the management truly to affect the customer loyalty, and the customer service, the interactive emotion, support processing and the technology will display these four construction surface are also the consumer take seriously.

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This study focus on the card slave problem, using Professor J.W.Forrest ¡¥s System Dynamic model to simulate the relationship between Card Holder and Banks, hoping to find a solution to help the slave problem. This study has the following conclusions. 1. Most Card Slave are made of their own consumption behavior, but this is only half the reason whey they ended up in debts. During the Credit Card promotion war, banks failed their responsibility and provided these card holder enough limit and not enough credit checks, which is another half reason why the problem occurred. 2. In general, Bank wants to maximum their profit by leaving their customers to pay as much revolving interest , for as long as possible. However, they failed to realize that as the time and debt goes by, card holder starts to lose their repaying ability, and this seriously effects the banks revenues when one day they just cant afford to pay anymore, the repaying ability is never consider in the banks credit limit policy, but it is in fact the most significant fact of them all. 3. Therefore it is best for Bank to use System dynamic method to monitor the repaying ability and dynamically adjust the credit limit and other factors to control the customers¡¦ wiliness to use their card.