碩士 / 國立臺灣海洋大學 / 應用經濟研究所 / 92 / 36 Farmers’ Credit Departments of Fishermen Association had negative equity, were forced to be took over by banks nominated by Ministry of Finance in 2 shift of local financial transform during 2001 and 2002. Agriculture economic is the weaker section in the whole economic environment; the exist of FCI is to support agriculture industry, which is much different from commercial finance institute in their restriction and their way of operation. We need to pay special attention to the possible influences on agriculture community if commercial finance institute can play the same role as FCI after taking over due to their poor performance ?
The study exam through survey ran against employee of Zinguan Area Financial and Fangliao Area Financial over the service satisfactory level on several kind of finance products after took over under the similar methodology of experts at home and abroad. We exam also the impact over other operations of fishermen’ association after their credit institute took over by commercial institute.
Main finding achieved from this study listed below :
1. Fishermen find different satisfaction level before and after took over by commercial institute. Almost 85% of the loan guarantee ended with bank auction .
2. Severe satisfactory difference observed on the office hour and service site. The office hour of the bank is shorter and can not match the life style of the fishermen as before. Less service sites are less convenient for the fishermen also .
3. Severe difference observed on less abundance of human resource and budget for the fishermen’s’ association due to the cut off of support from the credit institute . the budget of fishermen’s’ association before and after the took over is 4:1.
4.Human relation improved after the took over significantly.
5.Community development and social benefit of the fishing community worsen after the took over.
4 practical and workable conclusion from this study including : (1) to construct a sound and complete fishing credit institute (2) enhance the communication of the banks took over to improve their finance to fishery production, to help fishermen to extend their over due loans with installation plans (3)Fishermen association need to re-organize their human resource toward industry development (4)Competitiveness of the fishing community gradually weaken as nature resources decline , government need to provide assistance to the fishing community to the economic transform and improve their competitiveness.
| Identifer | oai:union.ndltd.org:TW/092NTOU5452024 |
| Date | January 2004 |
| Creators | Shu-Liang Cheng, 鄭樹良 |
| Contributors | 陳清春 |
| Source Sets | National Digital Library of Theses and Dissertations in Taiwan |
| Language | zh-TW |
| Detected Language | English |
| Type | 學位論文 ; thesis |
| Format | 113 |
Page generated in 0.002 seconds