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1
Carreño, Colchado Ana Maria, and Baez Gloria Luana Hurtado. "Factores que influyen en la adopción de banca móvil en los Millennials en Lima urbana." Bachelor's thesis, Universidad Peruana de Ciencias Aplicadas (UPC), 2019. http://hdl.handle.net/10757/628187.
Full textAbstract:
Hablar de modernidad es hablar de un entorno digital. Muchas de las actividades que realizamos a diario están ligadas directamente a un dispositivo móvil y a una aplicación, teniendo con ello un sinfín de posibilidades en la palma de nuestra mano: comunicarse con personas en todo el mundo, interactuar en las redes sociales, leer noticias, comprar en cualquier tienda a nivel mundial, conocer el tráfico, escuchar música, ver películas, mirar el clima, etc.
Estos procesos de digitalización son utilizados también por el sector bancario, que no ha sido ajeno a estos cambios, a través de canales virtuales, conocidos como banca móvil, servicio proporcionado por estas entidades que permiten a sus clientes realizar diferentes transacciones financieras de forma remota sin tener que ir a una agencia u oficina, como pagar sus deudas, transferir dinero, revisar sus saldos y movimientos bancarios, etc. La banca móvil además, proporciona al cliente otros beneficios como el ahorro de tiempo y un abanico de soluciones financieras de manera inmediata, etc., ventajas que han impulsado su uso en Millennials, segmento de la población nacido entre 1980 y 1999 que para el 2020 será el 50% de la fuerza laboral del país.
Esta investigación pretende mostrar cuáles son los factores que influyen para que la banca móvil sea adoptada por este segmento en Lima Urbana, para ello se utilizó el modelo de UTAUT2, considerando los factores intervinientes como el nivel socioeconómico y el banco al que son clientes las personas que fueron encuestadas.To talk about modernity, it is to talk about a digital environment. Several of our daily tasks are directly linked to a mobile device and to an app, thus having endless possibilities to the touch of a finger: communicate with people around the world, interact in social networks, read the news, buy anything worldwide, live update of the traffic, listen to music, watch movies, the weather, etc. These digitization processes are also used by the banking sector, which has not been oblivious to these changes, through virtual channels, known as mobile banking, service provided by these entities that allow clients to carry out different financial transactions remotely without having to go to an agency or office, such as paying off your debts, transferring money, checking your balances and bank movements, etc. Also, Mobile banking provides clients with other benefits such as saving time and a range of financial solutions immediately, etc., advantages that have boosted its use in Millennials, a segment of the population born between 1980 and 1999 that by 2020 It will be 50% of the country's workforce. This research aims to show what are the factors that influence mobile banking that had to be adopted by this segment in Urban Lima, for this the UTAUT2 model was used, considering the intervening factors such as socioeconomic status and the bank to which people are clients They were surveyed.
Tesis
2
Cederberg, Jessica. "Changing financial behaviors using mobile PFM tools." Thesis, Södertörns högskola, Institutionen för naturvetenskap, miljö och teknik, 2013. http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-19735.
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This paper investigates the needs of a PFM (Personal Financial Management) tool in a projected banking app, where information is presented as statistics of the users’ personal economy. By studying how youths would like to monitor their finances in a banking app the paper aims to investigate what a PFM tool could include to attract consumers to use it in order to get a better control of their finances. The question of the paper is therefore: How can a banking app containing a PFM contribute to greater awareness of the users’ finances and savings, and how should such an app be designed? User tests were made to investigate what kind of statistics the users want in a PFM tool in a mobile app. The Delphi method was used to get a ranked list of ten suggestions, and a focus group interview was conducted to analyze the results further and to contribute to a qualitative view of the paper. The test results together with previous research show that a PFM tool included in a banking app could attract the target group to monitor their money, and also encourage them to save more. The respondents would like to have general statistics over their economy in a PFM tool, but also the possibility to monthly set personal budgets and monitor how well they are respected.
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Fraga, Jefferson Souza [UNESP]. "A crise econômica no Japão após os anos 90." Universidade Estadual Paulista (UNESP), 2011. http://hdl.handle.net/11449/88590.
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fraga_js_me_arafcl.pdf: 570399 bytes, checksum: c4d98662c4b2a66e86a84c364b2ae848 (MD5)Coordenação de Aperfeiçoamento de Pessoal de Nível Superior (CAPES)
O presente trabalho tem como objetivo analisar a experiência do Japão após os colapsos das bolhas especulativas dos ativos na década de 1990. Aceitando que o pior já passou, ou seja, que a crise financeira japonesa foi finalmente resolvida, uma coisa é certa; não antes de uma “década perdida” caracterizada por um longo período, de baixo crescimento, aumento das taxas de desemprego, deflação nos preços dos ativos, falências bancárias e persistência dos no-performing loans. Nesse contexto, as principais respostas obtidas por este trabalho foram: a crença que a recuperação econômica viria com o passar do tempo e a falta de entendimento sobre o tamanho do problema que a morosidade de atuação levaria ao sistema, explica em certo ponto a tolerância inicial do governo japonês frente à crise econômica. A política fiscal expansionista foi eficaz, mas, não utilizada de forma consistente, a natureza “stop-start” dos estímulos realizados, e em particular as prematuras reversões fiscais diminuíram a sua eficácia, outros fatores prováveis para a baixa eficácia durante os anos 90 foram: os estímulos fiscais podem ter sido prejudicados pela queda dos multiplicadores fiscais; os efetivos investimentos públicos foram menores que os anunciados e ao invés de se dar ênfase a obras públicas, priorizou-se cortes em impostos. De outra forma, um caminho fundamental de maximizar os estímulos fiscais é através da restauração do crédito do setor bancário, caso a recapitalização e as restaurações do setor fossem realizas em uma fase inicial, os efeitos dos estímulos poderiam ser de curta duração, se o sistema financeiro estivesse em boa saúde. No Japão, as injeções nos bancos “em grande escala” ocorreram apenas em 1999. Por outro lado, a política monetária, com base em uma versão alternativa da armadilha da liquidez levou o BOJ a tomar algumas medidas...
This dissertation intend to analyze the experience of Japan after the collapse of speculative bubbles in assets in the 1990s. Accepting that the worst is over, that is to say, that the Japanese financial crisis was finally resolved, one thing is certain; not before a “lost decade” characterized by a long period of low growth, increasing rates of unemployment, deflation in asset prices, bank failures and persistence of no-performing loans. In this context, the main responses received for this work were: the belief that economic recovery would come with the passage of time and lack of understanding about the size of the problem that the slowness of action would lead to the system; this explains in some degree the initial tolerance of the Japanese government by the economic crisis. The expansionary fiscal was effective, but not consistently used, the nature of “stop-start” of the stimuli made, and in particular the early tax reversals decreased its effectiveness, other likely factors for the low efficiency during the year 1990 were: the fiscal stimuli may have been harmed by falling tax multipliers; the effective public investments were lower than those advertised instead of giving emphasis to public works, the priority was tax cuts. On the other hand, a fundamental way to maximize the tax incentives is through the restoration of credit from the banking sector, if the recapitalization and the restorations of the sector were held in an early stage, the effects of stimuli could be short term, if the financial system was in good health. In Japan, the injections in banks “large scale” occurred only in 1999. Moreover, monetary policy, based on an alternative version of the liquidity trap led the BOJ to take some innovative measures since 2001. Centered on a strategy to ensure liquidity and extend the warranties on direct purchases of assets, quantitative easing was implanted... (Complete abstract click electronic access below)
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Fraga, Jefferson Souza. "A crise econômica no Japão após os anos 90 /." Araraquara : [s.n.], 2011. http://hdl.handle.net/11449/88590.
Full textAbstract:
Orientador: Eduardo StrachamnBanca: Enéas Gonçalves de Carvalho
Banca: Ernani Torres Teixeira Filho
Resumo: O presente trabalho tem como objetivo analisar a experiência do Japão após os colapsos das bolhas especulativas dos ativos na década de 1990. Aceitando que o pior já passou, ou seja, que a crise financeira japonesa foi finalmente resolvida, uma coisa é certa; não antes de uma "década perdida" caracterizada por um longo período, de baixo crescimento, aumento das taxas de desemprego, deflação nos preços dos ativos, falências bancárias e persistência dos no-performing loans. Nesse contexto, as principais respostas obtidas por este trabalho foram: a crença que a recuperação econômica viria com o passar do tempo e a falta de entendimento sobre o tamanho do problema que a morosidade de atuação levaria ao sistema, explica em certo ponto a tolerância inicial do governo japonês frente à crise econômica. A política fiscal expansionista foi eficaz, mas, não utilizada de forma consistente, a natureza "stop-start" dos estímulos realizados, e em particular as prematuras reversões fiscais diminuíram a sua eficácia, outros fatores prováveis para a baixa eficácia durante os anos 90 foram: os estímulos fiscais podem ter sido prejudicados pela queda dos multiplicadores fiscais; os efetivos investimentos públicos foram menores que os anunciados e ao invés de se dar ênfase a obras públicas, priorizou-se cortes em impostos. De outra forma, um caminho fundamental de maximizar os estímulos fiscais é através da restauração do crédito do setor bancário, caso a recapitalização e as restaurações do setor fossem realizas em uma fase inicial, os efeitos dos estímulos poderiam ser de curta duração, se o sistema financeiro estivesse em boa saúde. No Japão, as injeções nos bancos "em grande escala" ocorreram apenas em 1999. Por outro lado, a política monetária, com base em uma versão alternativa da armadilha da liquidez levou o BOJ a tomar algumas medidas... (Resumo completo, clicar acesso eletrônico abaixo)
Abstract: This dissertation intend to analyze the experience of Japan after the collapse of speculative bubbles in assets in the 1990s. Accepting that the worst is over, that is to say, that the Japanese financial crisis was finally resolved, one thing is certain; not before a "lost decade" characterized by a long period of low growth, increasing rates of unemployment, deflation in asset prices, bank failures and persistence of no-performing loans. In this context, the main responses received for this work were: the belief that economic recovery would come with the passage of time and lack of understanding about the size of the problem that the slowness of action would lead to the system; this explains in some degree the initial tolerance of the Japanese government by the economic crisis. The expansionary fiscal was effective, but not consistently used, the nature of "stop-start" of the stimuli made, and in particular the early tax reversals decreased its effectiveness, other likely factors for the low efficiency during the year 1990 were: the fiscal stimuli may have been harmed by falling tax multipliers; the effective public investments were lower than those advertised instead of giving emphasis to public works, the priority was tax cuts. On the other hand, a fundamental way to maximize the tax incentives is through the restoration of credit from the banking sector, if the recapitalization and the restorations of the sector were held in an early stage, the effects of stimuli could be short term, if the financial system was in good health. In Japan, the injections in banks "large scale" occurred only in 1999. Moreover, monetary policy, based on an alternative version of the liquidity trap led the BOJ to take some innovative measures since 2001. Centered on a strategy to ensure liquidity and extend the warranties on direct purchases of assets, quantitative easing was implanted... (Complete abstract click electronic access below)
Mestre
5
Huang, Pei-Ting, and 黃珮婷. "A Study of the Consumers Transaction Intention for Financial Products with Mobile APPs." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/54167971718689098217.
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碩士淡江大學
資訊管理學系碩士在職專班
103
Popularization of mobile devices has turned mobile transactions into an irresistible trend. Banks have been actively developing mobile apps in competing for many business opportunities relate to them. In this study, a questionnaire survey was conducted for users of mobile devices in Taiwan by extending a TAM model that combines constructs of mobility and trust to gain an insight on willingness of users to use mobile apps to purchase financial products, as well as to better understand the relationship between the users’ purchase intention and other factors. 406 surveys were retrieved for this study; 215 were valid. The empirical results showed a positive correlation between the users’ views regarding mobile apps’ mobility and their perceived usefulness. There were positive correlations among perceived usefulness, perceived ease of use, trust, and purchase intention of financial product for mobile app users. Hopefully, the results of this study can offer a basis for reference by financial institutes in developing their apps and managing their relations with their clients.
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Li, Yu-Wei, and 李聿偉. "A Study on Taiwan ''s Financial Stability after the Global Financial Tsunami." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/37737055512266009769.
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博士國立高雄第一科技大學
財務金融學院博士班
105
This study sets up a detective system for Taiwan’s financial stability with two spindles of the market-based and the bank-based. While uses “Two-state Markov regime-switching” method to capture the turning points from Taiwan’s previous major financial crises through the volatility of Taiwan’s financial stress index between 1997Q1 and 2016Q2. On this basis, a further study proposes the research of “a robust set of indicators for the Taiwan’s financial stability” by using “noise to signal ratio” method from the candidate variables of bank-based Taiwan’s financial stability, in order to filter out composite indicator of Taiwan’s financial stability with early warning functions as a supervisory tool for financial stability, effectively to detect and alert Taiwan’s financial crises. Empirical results proves, “two-state Markov regime-switching” method with the market-based Taiwan’s financial stress index, it sure can rationally determine the turning points for Taiwan’s previous major financial crises and successfully identify Asian financial crisis, dot-com bubble, cross-strait political-economic tensions, global financial crisis, European debt crisis, etc., especially to capture the financial crisis triggered by cross-strait political and economic tensions in 2004Q2, which completely reveals an individual characteristic of political sensitive gene in Taiwan’s financial system. Moreover, a composite indicator of Taiwan’s financial stability (CITFS) constructed by bank-based measure has a good early warning capability to detect the events of Taiwan’s previous major financial crises, and provide Taiwan’s financial supervisory authority some important reference to build up the early warning mechanism. In addition, this study analyzes the early warning capability of CTG gap and CITFS, and most of them can issue early warning signals prior the first four quarters of the financial crisis in Taiwan. In summary, CTG gap and CITFS have complementary effects. Finally, based on the proactive trend of global financial supervision after the financial tsunami, the results of this study can provide an effective supervision tool for Taiwan financial stability within the macroprudential framework.
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Lee, Hsiu Feng, and 李秀鳳. "Research on 'Professional Ethics' and 'Professional Competence' of Financial Auxiliary Agencies-Case Studies on Financial Information Service Providers." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/78143916650026068356.
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碩士世新大學
行政管理學研究所(含博、碩專班)
98
The aim of the present study is to explore the relationship between awareness of professional ethics and professional competence among the personnel of financial auxiliary agencies and the implementation of governance by the regulatory authorities. To achieve this research goal, besides undertaking in-depth interviews with the heads of financial information service providers and with top-level officials at financial regulators, so as to obtain their views, expectations and suggestions regarding professional ethics and professional competence, testing was also implemented to evaluate the relationship between awareness of professional ethics and professional competence and the degree of approval of the governance provided by the regulatory authorities among the personnel of Agency A, Agency B and Agency C, all of which are financial information service providers that fall under the category of financial auxiliary agencies. For the purposes of this evaluation, a questionnaire designed specifically for this study was used. A total of 200 questionnaires were sent out; 196 completed questionnaires were returned. Besides performing confidence analysis and validity analysis, statistical analysis was undertaken using Pearson product-moment correlation analysis, the independent-sample T-test, stepwise regression analysis, and one-way ANOVA analysis. The study’s findings were as follows: (1) Correlation analysis: There was a significant, positive correlation between the independent variable and dependent variable. (2) Independent-sample T-test analysis: The results of independent-sample T-test analysis supported all of the study’s hypotheses; that is to say, the greater the positive correlation between financial information service provider personnel’s professional ethics awareness and professional competence awareness, the greater the positive correlation between professional ethics and professional competence awareness and approval of the governance provided by the regulatory authorities. (3) Stepwise regression analysis: The stepwise regression analysis results showed that professional ethics awareness and professional competence awareness could both be used to predict the degree of approval that the members of the sample would display towards the governance provided by the regulatory authorities, with professional ethics awareness having the highest explanatory power (35%). Further analysis of the sub-dimensions of professional ethics and professional competence awareness showed that the higher the positive correlation in terms of financial information service provider personnel’s self-concept, the more importance they attached to external ethical awareness, and the higher their level of approval of the governance provided by the regulatory authorities. On the basis of the results obtained from analysis of the in-depth interviews and from statistical analysis, the following suggestions are put forward for the reference of the financial regulators and the financial auxiliary agencies under their supervision: 1.The regulatory authorities should advocate and promote professional ethics and professional competence, so as to facilitate the achievement of effective governance. 2.Financial information service providers should place more emphasis on professional ethics and professional competence in recruitment and in their planning of training activities, in order to improve their overall operational performance. 3.Financial information service providers should work to improve their professional ethics and professional competence benchmarks.
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Chao, Ko-hua, and 趙恪華. "Industry Analysis of Taiwan''s Financial Holding Companies." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/04894137719756330612.
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碩士國立中央大學
產業經濟研究所碩士在職專班
100
The government has franchised the banks to speed up financial institutions consolidation and the promotion of international financial integration. Financial at this stage is a highly competitive industry with low-profit. At present, the domestic banking sectors are facing (1) excessive number of banks and high homogeneity (2) continually reducing bank spread indicators and (3) the prevalence of direct financial. This study investigates the structural organization of the financial industry and performed camp performance analysis and research. In this study, the SCP framework of industrial economics were used to explore the plight and bottleneck of the financial industry, and sort out the trend of global economic growth, industrial development trends, and discuss how to improve the future competition points. The results showed that Taiwan''s banking industry should expand its commodities business policies to be in line with international standards, and that banks should improve their offshore financial centers, overseas offices and financial institutions. Banks should also seek to Mainland China to invest in or set up business units, as the ECFA era is conducive to the development of the financial industry. Increasing the proportion of income from non-traditional business management and development fees is another important source that allows bank profitability and stable growth to continue. We suggest that Taiwan''s banking industry should develop new financial products and offer a variety of financial services through the development of new financial products, and to enhance the competitiveness of domestic banks. Staff training should be required to strengthen the professional quality and ethics of Banking Commissioner. Also it is required to establish comprehensive education, training and development of new products to meet customer demands, and to provide a wide range of wealth management products guaranteed.
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lan, Yung-Fang, and 藍永芳. "A Study on Financial Advisors'' performance of insurance." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/21447611964723036180.
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碩士淡江大學
保險學系保險經營碩士在職專班
100
With the global economic development and changing social structures, there are now multiple marketing channels for the Taiwanese insurance sales; startup insurance companies rely on their in house sales team and traditional Insurance Agent to make their sales. Consumers are more likely to accept insurance products as financial information becomes more easily accessible and consumer’s understanding of the industry grows; this results in rapid growth of banks’ insurance sales. Of the premium income from new insurance policies last year, the income from bank channels has reached 57.1% of all channels, exceeding 50% for the first time, largely surpassing that of insurance agents. This new record also indicates that banks will play a major role in the insurance industry. The data in this study was collected from financial consultants of C-bank. In this study,260 questionnaires were sent out, and a total of 225 effective questionnaires were returned, a return rate of 86.54%。 According to data analysis, the following findings are concluded in this study: 1. Different Motivation Activities have significant impact on the sales of insurance products. 2. Different personality traits have significant impact on the sales of insurance products. 3. Different personality traits has significant impact on the effectiveness of motivation activities 4. Different demographic variables, co-marketing training and after-sales service will vary significantly due to "age", "education level" and "bank working capital". 5. Different personality traits will have significant impact on co-marketing training and after-sales service.
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Shen, Yen-Cheng, and 沈彥丞. "Investor''s Herding Behavior during the Financial Tsunami." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/36473212283528983782.
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碩士國立中興大學
財務金融系所
99
This paper mainly examines if there exist herding behavior in Taiwan Stock Market. The data in this paper begin on December 12, 2000 and end on December 31, 2010 from Taiwan Stock Exchange. We further investigate if the herding behavior increased in Taiwan Stock Market during financial tsunami. Than we examine how the herding behavior affect the performance of different investment groups. There is strong evidence of herding phenomenon in Taiwan Stock Market even though Taiwan has been listed as a developed country. After we separated investors into five groups, we find security dealers and individual investor trade with the market conscious. And the herding phenomenon has intensified for all investors during the financial tsunami, except for mutual fund. From the relation between herding behavior and performance in all sample period, we find that, except for mutual fund, the herding behavior brings negative effect to performance for all investors. On the contrary, during the financial tsunami, the herding behavior brings positive effect to performance for institutional investors but negative effect for individual investors.
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Chiu, Irene Min-Hui, and 邱旻慧. "From the Global Financial Storm to Research Taiwan Government''s Strategies to Current Financial Crisis." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/40559329061162317871.
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碩士淡江大學
國際貿易學系國際企業學碩士在職專班
98
The financial crisis caused by the U.S. subprime mortgage crisis has deep impact on the global financial market which results in economic recession, including Taiwan. In this article, first we will briefly describe the causes of the financial storm and the impact on Taiwan and US. The damages are mainly on investment losses, collapse of assets, credit crunch and operation difficulties of enterprises which result in recession and rising unemployment. Second, this paper investigates the measures of Taiwan and US governments to rescue the collapsing economy. The measures can be divided into three parts: the central bank adopts active and lax monetary policy to provide liquidity, bailout plans to big financial institutions and industries, greatly increases deposit insurance. On the other hand, government implements economic stimulus plan, public spending and tax cut to rescue the economy. By the end of 2009, the policies mentioned above have received positive effects. In sum, this paper suggests that to reduce future financial and economic turmoil the central bank should properly adjust foreign reserves and control money supply, government should continue financial reforms, monitor the risk of financial derivatives, carry out industrial re-construct, actively explore the cross-strait trade and economic relations. We expect a stable economic system in the near future.
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Chang, Hao-tang, and 張皓棠. "Is Financial Holding Company''s Insurance Subsidiary More Efficient?" Thesis, 2012. http://ndltd.ncl.edu.tw/handle/88020138163438114372.
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碩士逢甲大學
風險管理與保險研究所
100
The “Financial Holding Company Act” has been implemented for more than a decade. Until 2010, the total premium incomes from all life insurance subsidiaries of financial holding company are more than half of the entire life insurance industry. The purpose of this thesis is to investigate whether the operating efficiency of the life insurance subsidiary of financial holding company in Taiwan is better than those of non-financial holdings. The technical efficiency, pure technical efficiency, and scale efficiency are measured by using DEA during 2003 through 2008. Then, Malmquist TFP Index is applied to decompose the total factor productivity into some factors. Furthermore, Tobit regression analysis is conducted to examine whether the characteristics of insurance companies affect the operating efficiency. Empirical results show that the technical efficiency score of insurance industry is between 0.5 and 0.6 on average due to pure technical non-efficiency. The total factor productivity of life insurance industry grows due to the growth of technical change. The technical efficiency score and the growth magnitude of total factor productivity are higher in financial holding company’s life insurance subsidiary than in non-financial holdings. The growth of total factor productivity in life insurance subsidiary of the financial holding company is due to the growth of technical change and scale efficiency change. On the other hand, the growth of total factor productivity in the non-financial holdings is due to the growth of technical change and pure efficiency change. In addition, the local life insurance company and the old life insurance company are more efficient.
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Lai, Jen-chen, and 賴建成. "Construction of Taiwan''s financial industry "Disaster Recovery" PDCA checklist." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/51218531909009887495.
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碩士淡江大學
資訊管理學系碩士在職專班
100
The issues of Remote site recovery for information system of finance industries are again being taken seriously since the earthquake and tsunami of 2011 in northeastern Japan. Taiwan and Japan have similar geographical environment. Therefore, those issues are important to Taiwan too. The quality of Remote site recovery for information system of the finance industries is concerned about enterprise profit and business continuity. But compared with their customers that is more important than bank profit and business continuity because it is related to customer''s property. In this dissertation, we collected over literature and relative study and discuss with experts. This research gets 44 Check items by Delphi method in seven stages of Deming Cycle for Disaster Recovery of information system of the finance industries. Use these 44 check items to verify that the nine financial companies Remote site recovery current status of implementation and make sure it valid and necessary. Finally give suggestion by analyzed of reply data from nine financial companies.
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Chuang, Mei-ling, and 莊美玲. "The Study of the Financial Holding Company''s Operational Performance -A Case of the First Financial Holding Company." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/59824559286482964454.
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碩士國立高雄第一科技大學
財務管理研究所
100
After the legislation of the Financial Holding Company Act in year 2001, sixteen financial holding companies were established in Taiwan one after another. By forming the financial holding companies, financial institutes were expected to increase the competitiveness by adopting the existing brand position and channel to rapidly increase the market share, enlarge the operation scale with diversification and institutionalization, speed the business execution, and enhance operation efficiency with collaboration. In this research, First Financial Holding Co, Ltd. was taken as a case study to investigate if the positive influences exist by the integration of the subsidiaries after the financial holding company was established. The major conclusions are as follows: (1) By adopting the financial ratio analysis approach on analyzing the performance of First Financial Holding Co, Ltd., the profitability index, operating capability index, debt solvency index and growth capability index were addressed. The results show that growth capability index and profitability index reflected an equivalent book value per share after the financial holding company was formed, while rest of the indexes performed better. (2) To evaluate the influence of the integration of the subsidiaries by analyzing the return on assets( ROA), return on equity(ROE), and profitability of First Financial Holding Co, Ltd., the performance of the First Commercial Bank is stable while other subsidiaries performed relatively unstable.
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Huang, Ko-Jung, and 黃科榮. "CEO''s career diversification and corporate financial policies: Evidence from Taiwan." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/96540431607582317362.
Full textAbstract:
碩士國立臺灣大學
財務金融學研究所
103
This study examines the effects of CEO’s career experiences on corporate policies, including investment decision and financing decision. We use data of listed companies in the electronic industry in Taiwan Stock Exchange from 2004 to 2014. The main results show that (i) CEOs who have more diversified career experiences are less likely to be limited by insufficient internal capital. (ii) Firms with CEOs who have more diversified career experiences exploit more outside funds, including both financial institutions loans and trade credit payables. These effects are more pronounced in financially constrained companies. Overall, our findings indicate that sufficient external experiences are beneficial for CEOs to accumulate their own social connection which alleviates the information asymmetry and brings the better access to external financing. Therefore, those experiences can help firms to be less dependent on internal capital, and thus lower investment cash flow sensitivity.
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Kuo, Wen-Ping, and 郭文萍. "The Research on the Selling Behaviors of Commercial Banks''Financial Consultants." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/35425180422719501803.
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碩士淡江大學
保險學系保險經營碩士在職專班
104
The bancassurance is increasingly booming, the wealth management of all bank channels is continuing to be stable and hitting the performance records. The conservative mind in public investment is greatly accounting for outstanding performances. In order to understand whether the Banks''Financial Consultants are greatly related to insurance sales willingness, sales behaviors and other aspects, this paper discusses the insurance sales behaviors of Banks''Financial Consultants: This thesis aims at discussing the relationships between insurance sales willingness of Banks''Financial Consultants and overall cooperative degree of insurance companies from the dimensions of Banks''Financial Consultants by using SPSS23.0 as data analysis tool. As for research approaches, the Usage Reliability Analysis, Analysis of Variance, T Test Analysis are applied, and the insurance sales behaviors of Banks''Financial Consultants are discussed by referring to relevant literatures. This research findings indicate that: 1. The impacts environment exerting on personal insurance sales changes significantly with the factors such as [incentive and commission--cause], [commodities of insurance companies--headquarter policies] and [educational training from insurance companies]. 2. The different demographic variable and willingness of personal insurance commodity sales changes remarkably with gender, ages, monthly income targets, monthly average income, seniority and affiliated banks and libraries. 3. There are prominent differences between the willingness of personal insurance commodity sales and sales behaviors. The analysis based on the conclusions are for providing business recommendations and future research orientation for banking, insurance and supervision authorities.
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HSU, Jui-Ting, and 許睿庭. "How Firm''s Goodwill and Financial Leverage Affect Upstream Trade Credit." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/zcr4me.
Full textAbstract:
碩士國立中山大學
金融創新產業碩士專班
107
This study aims to analyze the relationship between firm’s accounts payable and financial leverage, and between firm’s accounts payable and goodwill. This research utilizes the data from COMPUSTAT and focuses on publicly traded U.S. manufacturing companies for the period 1987-2016 with 53,678 firm-year observations. By using fixed effect model, this study found that there exists a positive relationship between financial leverage and accounts payable overall. However, the results are more significant for non-rated firms rather than firms with investment or junk credit rating. We also find that there exists a negative association between goodwill and upstream trade credit.
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Tsai, Yi-Lin, and 蔡易霖. "An Introduction of FinTech Patents in the Taiwan''s Financial Industry." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/6grk8r.
Full textAbstract:
碩士國立中山大學
財務管理學系研究所
107
Most of countries of the world are striving to develop economy technology that aims to create novel technology, enhance competitiveness and increase economic benefits. In the aggressive competitions among those countries, the developments of economy technology by economy organizations are slower in Taiwan than other countries due to legal compliance of Taiwan. In Taiwan, rare researches have been studied that of distribution of application of economy technology patents applied by economy organizations. My research counts the distributions of those economy organizations which applied paying for structural patents, commerce patents and economical insurance patents. The results shows that the largest application numbers of patents from those economy organizations were applied by bank organizations, the rest are of insurance organizations, stock organizations and finance holding companies. To react the compliance promoted by government and Financial Supervisory Commission, the bank organizations are preparing for patent application, larger asset size banks and state banks are main applicants. The study concludes the significant benefits of improvement of economy technology supported by government.
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Chang, Chun-Fen, and 張群芬. "Efficiency Analysis of Taiwan''s Banks under Financial Holding Company System." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/e824qp.
Full textAbstract:
碩士國立虎尾科技大學
企業管理系經營管理碩士在職專班
104
This study investigates whether banks under the financial holding company (FHC) structure can enhance operating efficiency through cross-sectional banking mergers and acquisitions (M&As).The sample is taken from 39 domestic banks during the years 2011 to 2015. Input variables includenumber of employees, operating expenses, and total deposits,while output variables are total loans and bills purchased and discounted, and operating revenues. Data envelopment analysis (DEA) is applied to measure operating efficiency and malmquist productivity index of sample banks. Afterwards, a Kruskal-Wallis oneway analysis of variance is used to compare the performance of banks belonging to part of FHC with that of independent banks other than FHC subsidiaries. The results show that the in comparison of the operational efficiency and the pure technical efficiency of the FHC banks with the ordinary independent banks that doesn’t belong to the financial holding system, there is no significant differences. However, there is significant difference in the scale efficiency. Besides, the both have no significant difference in every related index of the productivity change. However, before and after the establishment of the financial holding, there is difference in the changes of the scale efficiency of the sub-bank. Other index of the productivity change has no difference. The result of the research is helpful to understand the current resource utilization efficiencysituations and the overall operating performance to be the reference for the operators. By the macro-control, the resources can be distributed and used effectively.
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Tsai, Yen-Ling, and 蔡延齡. "A research on Taiwanese financial industries'' entry barriers and operational obstacles in China''s eastern regions." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/a6cpr5.
Full textAbstract:
碩士淡江大學
中國大陸研究所碩士在職專班
101
Recently because of the rapid growth of Mainland China''s economies, and because of the openness of cross-strait policies, cross-strait relations are more intense than ever. Not only we sign cross-strait financial coopetation deal on April 26th 2009, we also sign MOU on November 16th 2009. And on June 29th 2010, we also sign ECFA with China in Chung-ching. Due to this agreement, it lets Taiwan enter the Asia-Pacific and World economic systems, and we could say that this move is a big step toward cross-strait financial negotiations. The above factors accelerate Taiwanese industries to move westward. But the fact is that Taiwanese businessmen face many problems in financial policies, such as the difficulties of raising the fund, and the inefficiencies of Mainland''s bureaucracies. Therefore, this thesis will focus on Taiwanese bank industries as the target of research, and will cover these financial institutes as their steps into Mainland''s Eastern Regions. Furthermore, I will take a look at Taiwanese banking firms'' chances of facing probable situations. And I will examine related laws that govern attendant policies, to understand Taiwan''s banking sectors'' motives, modes, and barriers to move to China''s Easter regions. Hopefully, this will be a referent for our governments to the future westward movement involved in the policy-makings. I find that in this research, Mainland''s financial markets have a huge potentials, which are the main investment motives for Taiweanese banks. Also, for Taiwanese banks, to be affiliated with Chinese foreign banks is a more profitable mode for local banks to move to the Mainland. Further, this thesis find some problems faced by the local banks: first: the slow enforcement of central rules; second: the cost of rent is too high, and the landlord''s raising of the payment; and third: the problem of crossing the provinces and the cities.
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Huang, Siao-Fen, and 黃筱棻. "Exploring Customer Participation in Value Creation from Customers'' and Employees'' Perspectives: Evidence from Professional Financial Services." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/35447223444663481711.
Full textAbstract:
碩士國立高雄第一科技大學
行銷與流通管理研究所
100
Emergent perspectives in marketing highlight new opportunities for co-opting customers as a means to define and co-create value through their participation. This study delineates and empirically tests hypotheses regarding the effect of customer participation on value creation and satisfaction for both customers and employees with different customer ability and employee emotional intelligence in the context of professional financial services. Using data collected from 383 pairs of customers and professional financial advisors from several public sectors banks and private banks in Taiwan, this research examines how (1)customer participation drives customer satisfaction and employee job satisfaction, through the relational values creation, and (2)the moderating effect of customer ability on customer relational values creation and customer satisfaction; and (3) the moderating effect of emotional intelligence on employee relational values creation and employee job satisfaction. The empirical tests that this research uses to examine the hypotheses are Amos 18.0 of Structural Equation Modeling (SEM) and SPSS 18.0 to examine the hypothesis. The research findings are as follows: 1.Customer participation can drive customer satisfaction through relational value creation. 2.Customer participation not entirely creates positive employee relational value, it also increases employees’ job stress and hampers job satisfaction. 3.The result of moderating effect states customer ability can facilitate customer satisfaction, but employees emotional intelligence not completely affect the relationship between value creation and job satisfaction.
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Carlson, Karen. "Financial Forest." Master's thesis, 2014. http://digital.library.ucf.edu/cdm/ref/collection/ETD/id/6070.
Full textAbstract:
Regular savings behavior is critical for low-income Americans to achieve financial mobility. New technology tools are being used to improve personal awareness and attention to financial goals. This thesis reviews mobile learning (mLearning) research and leading commercial personal finance smartphone apps, both of which inform the design of Financial Forest, a savings app. Participants in the 4-week Financial Forest savings study are found to have a statistically significant improved perception of the difficulty of building an emergency fund.M.F.A.
Masters
Visual Arts and Design
Arts and Humanities
Emerging Media; Digital Media
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Tsai, Yao-Ming, and 蔡耀鳴. "The Prospects of Taiwan&;apos;&;apos;s Financial Leasing Industry in China." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/29575245794294973960.
Full textAbstract:
碩士國立高雄第一科技大學
金融研究所
102
The leasing industry provides a variety of financial products, devising operations and structured payment based on customers’ business plans and cash flows. Due to the increasing labor costs, rapidly changing business environment, and more flexible use of capital, there will be more opportunities for the leasing companies. Limited by market saturation and fierce competition, Taiwan has little room the leasing companies to expand further. In order to enhance the competitiveness of the industry and to cope with the rapid growth of the leasing market in China, the authority of Taiwan has deregulated the investments made by financial holding companies, commercial banks and industrial banks on China’s financial businesses. The economic growth and market expansion in China will push the leasing industry forward. This paper compares the economic environments and prospects of the leasing industry in both Taiwan and China.
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Chen, Hsiu-Ju, and 陳秀如. "A Study of Bank Performance Evaluation Model in Taiwan''s Financial Institutions." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/g2hbj2.
Full textAbstract:
碩士國立中山大學
企業管理學系研究所
104
With the rapid economic development, financial industry of Taiwan is becoming mature and sound system. After the liberalization of interest rates in 1989, this time was no new banks opened, and Central Bank still could influence the market interest rates. After approved the establishment of 16 new banks in 1991, it opened the era of banks excess (overbanking). Shen Zhonghua (2014) proposed that two major problems current banking industry facing in Taiwan. One is a small interest rate spread of bank and the other is too low profits of banks. Also because the excessive number of banks resulted in high similarity of business, and the high degree of homogeneity. This thesis hopes through 40 domestic banks which are seemingly high homogeneity banking of Taiwan, finds similarities and dissimilarities among them, and compare them. In this paper, the samples of study are 40 domestic banks which were Central Bank announced in the 2014. The periods of study are from 91 years to 103 years and from 95 years to 103 years. Use Return on Net Assets(RONA) as the indicators of this thesis to evaluate performance of banks. By deciles of components, select the banks which are relatively good performance. Then calculate the slope and the average value of each bank, and use Cluster Analysis to initially classify. Hope that use dismantling Return on Net Assets (RONA) to explore the items that the banks focus and find the similarities. Finally, the thesis will select 14 banks which have been the relatively good performance, and observe the change of them in the period of 95 to 103 years. The following conclusions, net non-interest ratio is greater than equal to the ratio of net interest income, the bank performance is relatively good, such as Citigroup (Taiwan) Commercial Bank, China Trust Commercial Bank, Taipei Fubon Commercial Bank, Shanghai Commercial Bank. Net non-interest ratio is greater than 0.05, return on net assets (RONA) easily and change with the change in non-interest net income. For example: Citigroup (Taiwan) and Commercial Bank, China Trust Commercial Bank, Cathay United Commercial Bank，and so on. Although seemingly homogeneous bank, in the past 10 years, there is some change to public sector banks to focus on net interest income; foreign banks are more important than non-interest net income; the general tendency of private banks to reduce the interest of business and strengthen the non-interest business, which In Shanghai Banking relatively different, almost two and gradually increase the proportion of net interest income, is growing steadily.
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Lin, Ya-Ching, and 林雅菁. "The Study of factors affecting financial consultants''s performance of life insurance." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/12022649854971471023.
Full textAbstract:
碩士淡江大學
企業管理學系碩士在職專班
99
Recent years, the banking business has achieved remarkable effectiveness in wealth management where bancassurance business is the sudden emergence of an important business. According to the Insurance Association statistics, the bank insurance business premium income account for the ratio of premium income increased year by year. Until the end of 2010, this proportion has risen to 65.25% that far beyond the proportion of traditional life insurance company salesman premium income. In fact, financial consultants play a pivotal role in booming bancassurance business. Financial consultants, on the first aspect, have to face the performance objective which company given from system side, and enrich their learning constantly so that meet a wide variety of financial services demand for their customers. The second aspect is that financial consultants have to engage in the competition and cooperation between their boss and peer in their branch, hoping to acquire resources and support from organization. To understand the impact of financial performance commissioners of Insurance factors, the study questionnaire and mailed questionnaires through entities to finance the banking commissioner targeted for data collection. A total of 221 copies, 200 copies of valid questionnaires, and the effective response rate was 90.4%. The study will try to start in the cognitive financial commissioner activity of behavior and the internal behavior organization in two aspects so that explore whether the insurance business performance would be affect by the perceived organization support, perceptions of organizational politics, money attitude, or professional commitment. Therefore, the main research objectives of this study are as follows: First, explore the relationship between financial consultants with perceived organization support and their insurance business performance. Second, explore the relationship between financial consultants of the perceptions of organizational politics and their insurance business performance. Third, investigate the relationship between financial commissioner''s money attitude and their insurance business performance. Fourth, investigate the relationship between financial consultants with professional commitment and their insurance business performance. The results of this study are as follows: First, financial consultants with perceived organization support have a positive significant effect on their insurance business performance. Second, there is no significant influence between financial consultants of the perceptions of organizational politics and their insurance business performance. Third, there is no significant impact between financial commissioner''s money attitude and their insurance business performance. Fourth, financial consultants with professional commitment have a positive significant effect on their insurance business performance.
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Lee, Tsung-Lung, and 李宗隆. "The Study of China Market Expansion Strategies of Taiwan''s Financial Industry." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/54065955227778837442.
Full textAbstract:
碩士銘傳大學
國際企業學系碩士在職專班
101
The development of financial service industry is getting mature, and the banking in Taiwan can’t make a profit due to over-competition. Recently, the situation of political and economic development to the cross-strait ties becomes stable. It makes many financial sectors want to make a breakthrough and extend their business field in China so that they will refer to China as a main developing market for the banking in Taiwan. Financial Supervisory Commission has begun to loosen the investment limitation for the dealers since 2010, so many financial service industries were eager to develop the career in China from then on. China sets more limitations to the banking in Taiwan, so we should occupy the market share first with financial leasing. Only in this way can we accelerate the pace that we occupy the market share in China, and it will be the foundation of banking business. Thus, the purpose of the research was to investigate the situation of financial leasing in China. SWOT and Five Forces Analysis were used in the research to analyze the possibility of that domestic financial holdings and the banking in Taiwan are engaged in financial leasing in China. The research suggested that the financial service industries in Taiwan operate their business in China via financial leasing. It recommended that we set up our own talent database earlier, because it would enable us to develop the business and the connection of the specialists and experts. Moreover, it also advised that the financial service industries in Taiwan link up Chinese capital banks with foreign capital banks to work together, and that the sites for business should be close to the sites of Taiwanese businessmen''s enterprise.
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Huang, Chih-wei, and 黃志偉. "Individual Investor''s Decision on Financial Planning for Retirement and Portfolio Choice." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/51873361029822630037.
Full textAbstract:
碩士南華大學
財務金融學系財務管理碩士班
98
This thesis aims to identify factors influencing individual investor''s decision on financial planning for retirement and investigate their investment preference on portfolio choice using experimental design based on conjoint analysis. Risher and senior investors show more likelihood to do financial planning for retirement. Those investors prefer to invest bond financial products. Investment preference differences among different soci-economic characteristics indicate that individual investors prefer portiforlio choice composed of tax-saving,trust fund, social insurance, eauity mutual fund, and time deposit in New Taiwan Dollars while those do not prefer portiforlio choice with saving insurance and investment-linked insurance. Both of femal and male investor prefers the same portfolio choices with ax-saving, trust fund, social insurance, eauity mutual fund, and time deposit in New Taiwan Dollars while those do not prefer portiforlio choice with saving insurance and investment-linked insurance. Individual investors with lower risk perception are preferable to portiforlio choice with saving insurance and investment-linked insurance. Both of femal and male investor prefers the same portfolio choices with ax-saving, trust fund, social insurance, eauity mutual fund, and time deposit in New Taiwan Dollars while those do not prefer portiforlio choice with saving insurance and investment-linked insurance.
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Su, Ying-Ling, and 蘇盈綾. "The Study of the Fund Investors'' Disposition Patterns during Global Financial Crisis." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/67638926785268172082.
Full textAbstract:
碩士義守大學
財務金融學系碩士班
98
We study the fund investors’ disposition patterns; the sample covers 104 Taiwan open-end equity mutual funds from July 2001 to July 2009. In this paper, we investigated whether the fund investors have different patterns of disposition effect differences in the GFC, and we separated the GFC into pre-GFC, acute GFC, and post-GFC, then investigated each disposition patterns during four periods including GFC。 Our results as follows: First, when the investors hold on winner, we found that the investors would possess sell winners too early in the NGFC, and GFC. We separated the GFC into pre-GFC, acute GFC, and post-GFC, we found that the investors would possess sell winners too early in the pre-GFC, and the investors would possess house money effect in the acute GFC, and post-GFC. Second, when the investors hold on losses, we found that, the investors would possess the disposition effect of reluctant to redeem the loser in the NGFC., the investors would possess inverse disposition effect in the GFC. We separate the GFC into pre-GFC, acute GFC, and post-GFC, we found that the investors would possess inverse disposition effect in the pre-GFC, acute GFC. In the post-GFC, the investors would possess reluctant to realize their losses. Finally, the result of the fund investors exhibit different patterns of disposition effect under global financial crisis, therefore, the funding corporations or financial supervisory bodies should establish different management decisions under different market states.
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Lin, Yu-Chu, and 林玉珠. "Taiwan listed electronic company''s financial early warning model-Logit model applications." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/03281658573526192774.
Full textAbstract:
碩士銘傳大學
財務金融學系碩士在職專班
100
This study aimed to explore the establishment of a financial early-warning model of the electronics industry, in addition to considering the financial ratios, and the other to join the corporate governance variables, through logistic regression to establish the model of the early warning of financial machine. Taiwan listed electronic companies in 2005-2010, a total of 34 financial crisis, companies, and 68 normal financial company as a sample, try to join the corporate governance factors in addition to considering the traditional financial ratios, through the Kolmogorov-Smirnov (K-S) test, the Mann-Whitney- Wilcoxon (M-W-W) test, Variance Inflation (VIF) test the empirical analysis, logistic regression to establish a financial crisis early-warning model. The study results showed that, considering the financial crisis forecasting model constructed by the financial variables and corporate governance variables than simply take into account the financial variables or corporate governance variables have a better explanation ability. Build financial forecasting model, confirm the model of stability, this study as a sample test in 2005-2008, and 2009-2010 samples as-sample test. Model to predict financial variables and company governance management changed the number of the integrated model compared to simply consider the financial variable number of model one or company governance management changed the number of model two to reduce the type I error and and lower total error, the more close to the crisis erupted point in time, logistic more to improve the early warning capability of the regression model, and the predictive model to distinguish the correct sample rate, and predictive models in the sample discriminant accuracy rate is almost quite, verify the mode of this study, financial forecasting model to predict the effect.
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Le, Nguyen, and 阮梨花. "The Financial Solutions for Vietnam''s Small and Medium Enterprises after Globalization." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/08012733418064296535.
Full textAbstract:
碩士國立中山大學
企業管理學系研究所
99
In recent years, Small- and Medium-sized Enterprises (hereafter called SMEs) have emerged to become an important factor for Vietnam’s rapid economic growth. The environments in which these SMEs operate are speedily changing with the internationalization of the Vietnamese economy. Prompt changes have brought both opportunities and threats for the fragile SMEs section in Vietnamese economy. The purpose of this research is to answer “What are the solutions for Vietnamese SMEs after going in the globalization process?” This paper indicates solutions (chiefly financial solutions) for challenges lie ahead if the plans for further trade liberalization and internationalization are realized. The basis of this paper’s analysis is a database on the activities of some Vietnamese SMEs in a period of 2007-2009, with quantitative data about various aspects of company operations, as well as qualitative information about the entrepreneurs’ perceptions of the current business environment and expectations about the future. In the survey’s results, I have found a model of the internationalization of SMEs has been created which includes some elements: financial keys, governmental role, and other supporting organization. In which, access in finance has appealed as a key element for small and medium enterprise regarding the scope research of the survey. I believe they are main considerations for the Vietnamese SMEs to maintain, survive and develop their business operation after going globalization. Optimize financial solutions as suitable way to entry foreign market, government support; determine own Competitive advantage, positioning, decision-making and controlling.
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HUNG, HSIN-HSIU, and 洪新琇. "The Impact of the Sub-prime Crisis on the World''s Top 200 Largest Banks'' Financial Performance." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/42584604665447277890.
Full textAbstract:
碩士銘傳大學
財務金融學系碩士在職專班
98
This research discusses the changes with the world''s top 200 largest banks'' financial performance in light of the subprime mortgage financial crisis. The research uses nine major bank financial performance variables including the equity ratio, capital adequacy rate, allowance for bad debt coverage ratio, operating cost ratio, fixed asset turnover rate, rate of return on assets, rate of return on equity, current ratio and operating income growth rate, as well as the use of CAMEL Rating Method to conduct in-depth studies on the apparent negative impact on major commercial bank''s capital adequacy, asset quality, management performance, earnings, liquidity and other growth indicators after the financial crisis. This research further analyses whether the scale of a bank can better withstand the negative impacts of this crisis on its financial performance, and shows if the banks in developed markets were impacted more adversely than their counterparts in the emerging markets. It also anticipates to offer the management in the banking industry a useful reference in future crisis. The empirical results show that the subprime mortgage financial crisis greatly damaged the capital adequacy, asset quality, earnings and growth indicators of commercial banks, while pushing up the risk of management performance. Based on the market maturity adjustment variables this empirical results show that the dimensions in relation to asset quality of commercial banks in emerging markets has weakened significantly. At the same time the managing performance of commercial banks in developed markets has now significantly become worse, and its risk in capital adequacy and the growth indicators has also greatly increased .The empirical results based on scale of banks as moderating factors show that the capital management performance and earnings in the financial performance of the commercial banks with larger capital has significantly weakened compare to their smaller counterparts. Their risk of capital adequacy and management performance has also largely increased. Commercial banks with smaller assets has performed significant weaker in terms of financial performance and earnings, and their risk for capital adequacy as well as earnings also increased. The sub-prime financial crisis has the most direct impact on the developed European and American market which mainly concern with the issuing of financial asset securitization products, thus the negative impact is relatively larger. Due to their capital constraints and the lesser degree of financial deepening, the emerging markets was affected only indirectly by the subprime mortgage crisis more. Importantly, this study confirmed that the larger commercial banks are better equipped to reduce the impact on the subprime financial crisis on their earnings, this result also confirmed the theories of Li (2003) and other scholars that the bigger scale banks can help combat the impact caused by future financial crisis.
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Hu, Shun-Hui, and 胡順輝. "The Impact of Manager Overconfidence on Financial Crisis-Using Directors''and Officers'' Liability Insurance as the Moderator." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/7hk5g9.
Full textAbstract:
碩士國立臺中科技大學
財政稅務系租稅管理與理財規劃碩士班
107
The purpose of this study is to examine the relationship Manager Overconfidence and Financial Crisis. We collect the empirical data from 38 Financial Crisis companies and 114 normal companies with similar size on asset as a sample during the period from year 2010 to 2017, publicly listed on either Taiwan Stock Exchange or Taiwan OTC Exchange. In addition, we add Directors'' and Officers'' Liability Insurance into the regression separately as corporate governance moderate variables, and examine their influences on the relationship between Manager Overconfidence and Financial Crisis. We find that Manager Overconfidence has a significantly positive association with Financial Crisis, and the Directors'' and Officers'' Liability Insurance has not a significantly positive relationship with Financial Crisis.
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Lee, Chen-Ying, and 李珍穎. "A STUDY OF BUSINESS PERFORMANCE ANALYSIS AND ENHANCEMENT IN TAIWAN''S PROPERTY-LIABILITY INSURANCE INDUSTRY –FROM FINANCIAL AND NON-FINANCIAL PERSPECTIVE." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/75981769338811583727.
Full textAbstract:
博士淡江大學
管理科學學系博士班
100
In recent years, the status of Taiwan Property-liability (P-L) insurance goes from government protection to market liberalization. Due to the financial holding institutions have been gaining popularity, it forced many insurance companies faced the shocking crash of P-L Insurance Enterprises'' Competition. Moreover, insurance companies have been focusing on cash flow underwriting approach, as they are using price competition to aim for a higher market share. Thus, a number of P-L insurance companies have become insolvent and have withdrawn from the market. However, recent weak international economic boom before the subprime mortgage and financial tsunami, after the threat of the impact of the European debt problems, coupled with natural disasters, meet the challenges of the global insurance market is complex and rapidly changing, how the P-L insurance industry to improve and enhance the business performance in its limited economies of scale has become the important issue to the industry, government and academia. This study used the financial and non-financial perspective to explore and enhance of the business performance in Taiwan’ P-L insurance industry. Based on an unbalanced panel data of Taiwan''s P-L insurance industry in years 1999-2009 and survey method to select the employees of the insurance companies for sample to investigate. The second essay investigates the reinsurance usage relationship between and firm performance. The results of this investigation support that firm performance and reinsurance usage are interdependent. Further evidence shows that performance negatively affects reinsurance, and vice versa. Therefore, the study provides managers have to strike a balance between decreasing insolvency risk and reducing potential profitability to enhance the firm''s business performance. In the third essay, I examine the determinants of insurer retentions for P-L insurance companies in the Taiwan insurance industry. The empirical results found that the insurance companies of the firm-specific factors and macroeconomic factors will affect the insurer’s retention decisions. The insurers should enable to assess the application of the retention decision can tolerate the risk to bear the most appropriate range to make an adjustment to create a company’s business performance. In the fourth essay, I provide evidence regarding non-financial business performance perspective by investigating the relationships the Organizational learning, Total quality management (TQM) and business performance in P-L insurance. I propose research hypotheses and verify them based on the samples from 414 respondents from P-L insurance companies by the structural equation modeling (SEM) analysis. The empirical findings indicates that (a) organizational learning has significant and positive effects on TQM,(b)Both organizational learning and TQM have significant and positive effects on business performance,(c)TQM fosters business performance and play a mediating role between organizational learning and business performance. The empirical results can be used as future reference of P-L insurance industry to improve business performance in Taiwan.
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Wen, Pei-Wen, and 溫珮雯. "A Study in Analysis of Financial Performance on Taiwan''s Online Game Industry." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/31608107023197574254.
Full textAbstract:
碩士銘傳大學
經濟學系碩士在職專班
99
From 2008 to 2009, the Financial Tsunami attacked the whole world. However, along with the Financial Tsunami, the concept of Otaku Economy appeared. Because of the impact of the Financial Tsunami, the global economic declined. This situation also resulted in the declined of the individual consumption and the family obtained. The online game market, on the contrary, didn’t decline. What’s more, it went up in an off-season. Stay-at-home entertainment stimulates Otaku Economy, and this helps the growth of the online-game industry. The development of the game software mainly focuses on the personal and video game. Through the application of the remote server technology, the online-game industry goes up rapidly and has become a mainstream in the entertainment market recently. This research uses the DuPont analysis. Collect relevant datas by using MOPS and Taiwan Economic Journal, and then analyze financial statements by using the DuPont analysis. Try to find out the factor of making profits in each company. This research finds there are three fators that influence financial performance on Taiwan’s online game industry: (1) the managemet plan of online game of self-made and agency (2) the degree of corporate finance (3) the degree of operating financial leverage.
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LO, YUAN-CHUN, and 羅淵峻. "A study of the deregulation of financial institutions on the employee''s wage." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/40812961899002572611.
Full textAbstract:
碩士國立中央大學
產業經濟研究所碩士在職專班
100
This thesis is to study on how the deregulation of financial institutions on the employees’ wage effects. Our research focuses on two times of financial systems changing, one was in 1992 which allows to opening new banks in financial market, and another one was in 2002 which allows to establishing financial holding institutions in banking industry. We use the Mincer’s（1974） human capital earning model, and employ the OLS and FGLS estimation methods to obtain parameters. Our data comes from the Manpower Utilization Survey conducted by the DGBAS. We pooled the data during the period of 1987-2009. Our empirical results indicate as follows: First, there is gender discrimination in the banking industry in Taiwan, however, the differences in average salary between women and men have decreased after financial systems changed. Second, the premium of marriage comes from the working experiences, not from the changing of financial systems. Third, the return of higher education has significant effects on the first time of financial institutions changing. However, the wage effect of higher education disappears on the second time of the system changed. Finally, the premium of professional pay increased during 1992 and 2002. However, the premium has decreased after 2002.
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Tseng, Wen-bo, and 曾文柏. "The Analysis of Staff''s Job Satisfication And Turnover Intention in Financial Industry." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/86489200415671400777.
Full textAbstract:
碩士國立中山大學
企業管理學系研究所
99
Due to the access to international financial market is open and globalization is inevitable, the fluctuation of financial market and the competition among banks are getting fierce. Emotion is an essential part of a bank employee’ job and it is closely related to working pressure. Therefore, this paper is to investigate whether working pressure will affect job satisfaction and then affect the tendency of resignation. Based on the research motives, the purposes of this research are as follows: 1. To understand the current situation of financial employees’ job satisfaction factors and resignation tendency. 2. To investigate how job satisfaction factors are related to resignation tendency. 3. This paper provides companies reference of human resource development such as how to reduce resignation intention in order to cut unnecessary recruit cost. Conclusion：Based on the result of simple regression analysis,「working pressure」,「degree of satisfaction to salary and benefits」,「commitment to organization」 and 「assignment fairness」indeed influence working satisfaction. In other words, the lower working pressure an employee has, the higher degree of working satisfaction one has; the higher degree of satisfaction to salary and benefits, commitment to organization and assignment fairness one has, the higher degree of working satisfaction one has. Suggestions: 1.Raise employees’ commitment to organization in order to recruit elites and reduce the labor turnover rate. 2.The reward system has to be quantified. KEY WORLD：working pressure、degree of satisfaction to salary and benefits、 commitment to organization、assignment fairness、resignation intention、working satisfaction
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Ho, Kun-Meng, and 何坤孟. "The Study on the Relationship of Corporate Governance, Financial Risk and the Demand for Directors'' and Officers'' Liability Insurance." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/41781331852885312056.
Full textAbstract:
碩士樹德科技大學
金融與風險管理系碩士班
99
According to statistics of Directors'' and Officers'' （D&O） liability insurance for many countries, advanced countries such as the U.S. and Japan, over 90% enterprises have purchased D&O liability insurance, while emerging market countries such as Singapore, Hong Kong and Malaysia, over 75% companies have purchased D&O liability insurance. The ratio of Taiwan companies which have D&O liability insurance was only 53% to the somewhat low. The issues of the D&O liability insurance and related subjects are becoming significant gradually, while the related studies and official documents are relatively few. This study is going to explore what factors (including company finance risk and corporate governance) influence companies’ D&O insurance purchasing policy. Among the corporate governance variables, stock holdings of the board and the largest shareholders show negative correspondence with D&O liability insurance corporation stock holding has positive correspondence with D&O. The size of the corporation has positive correspondence with D&O insurance, growth rate of revenue has negative correspondence. This study can give some suggestion to government, insurance companies, investors, and the corporation governors on making relevant policies.
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Lai, Gu-Fang, and 賴谷芳. "The study of relationships among the CPA Firm''s Human Leverage,On-Job Training and it''s Financial Performance." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/31013387343245196355.
Full textAbstract:
碩士淡江大學
會計學系碩士班
100
Base on the characteristics of professional service firms, human capital is generally known as one of the more important assets in CPA firms, and has played the crucial key role in affecting operating performance of CPA firms. Furthermore, CPA profession is typical industry in the knowledge economy, which contains professional knowledge-intensive and labor-intensive property. No matter it is in audit quality aspect or in operating performance, both are depended on the investment of human capital. Therefore, human capital plays a decisive role in CPA firm. However, the effect of human capital on the firms’ operating performance is still not consistently defined in the literature. This deserves to endeavor further, thus, using the Top 30 CPA Firms from year 1989 to year 2009 in the Taiwan Economic Journal (TEJ) dataset, this paper attempts to examine the effects of human leverage and on-job training on the operating performance of CPA firm. The findings indicate that on-job training has a significantly positive effect on operation performance of CPA firms. The results also suggest that the human leverage has a mediate effect on CPA firms’ operating performance through the input of on-job training. According to the nature of audit work, it is schemed and managed by audit staff in CPA firms. It is suggested that CPA firms need to take serious consideration of on-job training input to promote their human capital. By doing so, the audit quality can be advanced, and further the firm’s operating performance can be improved.
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Hou, Ming-Ching, and 侯明欽. "The entry strategies, development potential and constraints for Taiwan''s financial enterprises planning to expand the financial leasing business in Mainland China." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/18662842148893790024.
Full textAbstract:
碩士國立臺灣大學
商學組
100
In view of the gradual deregulation of the financial laws and regulations between Taiwan and Mainland China in recent years, especially after The Financial Supervisory Commission passed on Aug. 26, 2010 the resolution of “ The Managing Principles for Banking, Bank Holding and Affiliated Enterprises’ Investment in Mainland China”, all the financial enterprises are planning to establish the financial leasing company for entering into the related Mainland China market. In order to provide the financial enterprises with a clear direction, a thorough research is made on the entry model, development strategies, and constraints to be encountered so as to have the financial enterprises to make the right decision and promote the operation performance and the probability of success. This research adopts both of the theory and practice along with the extensive collection of related literature to establish the framework of theory. In addition, on the basis of the practical experience and relative information, the contents of this paper including the introduction, literature review, the strategy analysis of Taiwan financial enterprises’ entry into Mainland China financial leasing business, the competitive advantage of business expansion, the development potential and the constraint element, which lead to the most appropriate plan by deliberate analysis, comparison and induction. In conclusion, this research considers that the sole proprietorship is better for entry strategy which is centered on long triangle and then extends to coastal area and inland; also, the Taiwan enterprise is served as a core and expand the business to Mainland China customers afterwards. To create the beneficial development for entering the financial leasing market of Mainland China, the following measure are suggested to be adopted: loosen the channel of capital source, set up a complete credit evaluation system, establish an unified equipment registration system, offer the preferential tax and cultivate the professionals.
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Hsieh, Yu-Shan, and 謝毓珊. "The Impacts of Financial Advisers'' Service Quality and Customers'' Personal Dispositions on Customer Loyalty - A Study of Banking Wealth Management." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/99254270473607230876.
Full textAbstract:
碩士國立高雄第一科技大學
行銷與流通管理所
98
The major purpose of this research discusses the financial advisers of Taiwanese banking and using customer of wealth management as a research object. Respond financial to environment and the diverse variety of the need of the customer finance business, and the bank also continuously promote a core business competition ability by expanding additional value, therefore the wealth manages business have already wanted to expand a market very much in bank of Taiwan and by diversified wealth management obtains a competition position in the financial market. Along with the rise of profession finance business consciousness, up to now, personal finance business is no longer the rich''s patent, and should be the important topic that everyone wants to understand. After responding Financial Crisis, and Taiwan face of M-Shaped Society, bank how look for new customer, re-collect old customer confidence. Under the thinking of the management of the bank wealth, study and customer get in touch with the connection of the forefront personnel''s financial advisers, and understand that the characteristic of the customer personality then promotes the will of the management of the usage wealth to study a main study topic for the origin. The research employs questionnaire survey with 550 usable questionnaires and use AMOS16.0 to verify the research model. The research results are as follows: (1) Service quality in wealth management including financial advisers reputation and satisfaction with previous interactions have a significant effect on financial advisers trust ; Customer Relationship Proneness and Disposition to trust have a significant effect on financial advisers trust.. (2) Under the Theory of Reasoned Action, financial advisers trust have a significant effect on Customer Loyalty including Word of mouth, Purchase intentions, Complaint behavior. Subjective Norms have a significant effect on Customer Loyalty including Word of mouth, Complaint behavior. The major contribution of this study is to respect to the influential of service quality and customer personal dispositions on financial advisers trust, and to examine the Theory of Reasoned Action which financial advisers trust and subjective norms will influence customer loyalty. Finally, the article concludes with implications for financial advisers and Taiwanese banking as part of wealth management, and directions for future research.
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Tseng, He-Ming, and 曾和明. "On the Study for Taiwan''s Financial Composite Indicators and Counter- Cyclical Capital Buffer." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/wp9a6y.
Full textAbstract:
碩士國立中山大學
財務管理學系研究所
101
Since the Asian financial crisis, Taiwan have gone through several major financial crisis, the loss suffered by the crisis and social costs are enormous, so the establishment of an effective early warning system for financial crisis and the development of relevant regulations is indeed an important issue for supervisory authorities. This thesis uses Balakrishnan’s (2009) Financial Stress Index to define the time of financial crisis and adopt Kaminsky (1998) Noise-to-Signal ratio coupled with Financial Stability Indicators to establish Financial Composite Indicators, and tie in with Credit-to-GDP gap in &;quot;Guidance for national authorities operating the countercyclical capital buffer&;quot; to give supervisory authorities feasible mechanism for countercyclical capital buffer in Taiwan in order to achieve financial stability effect. The empirical results show that: If Financial Composite Indicators signal continuously, it will have a major crisis in the near future. And collocate Credit-to-GDP gap and Financial Composite Indicator this two signal methods will indeed signal countercyclical capital buffer requirement previously, and indicate the amount of the amount accrued. These valuable results may be helpful for the Taiwan’s supervisory authorities.
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Wu, Ya-han, and 吳亞涵. "A Dynamic Analysis of Capital Management and Profitability in Taiwan''s Fundamental Financial Institutions." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/20130011243893513773.
Full textAbstract:
碩士國立高雄第一科技大學
風險管理與保險研究所
99
Primarily this study is focusing on the relationship among capital position, profit rate and risk weighted assets in mutual financial institutions abided by the Basel Accord and other capital regulation. This research follows a formal model of capital management and risk management in mutual financial institutions such as credit unions which reflects these industry characteristics (Brown and Davis, 2009). We estimate the empirical model by using system GMM. The model is tested using data from the fundamental financial institutions subject to the regulatory capital requirement. The empirical results in this study indicate that profit rate is negatively related to risk weighted assets when the fundamental financial institutions manage their capital position by setting a short term target profit rate (return on assets). Besides, the paper is aimed at gradually removing discrepancies between the actual and desired capital ratio. There is an evidence of short run adjustments to the risk of the asset portfolio to achieve a desired capital position.
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Hsiao, Su-Yun, and 蕭素雲. "Consumer Protection Perspectives on Appropriateness of Underwriting Foreign Financial Derivatives in Taiwan''s Banks." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/q2e7ac.
Full textAbstract:
碩士國立臺灣大學
經濟學研究所
106
Since the 9/11 attack in 2001, the low-interest environment and floating money that has no where to be digested has resulted in increased housing prices, while the overly optimistic atmosphere of the housing market has led to a strong speculative atmosphere. From 2001 to 2006, hedge funds and investment banks not bound by US financial supervision regulations long known for their high-leverage operations were under the banner of financial innovation. With the security of financial assets, Mortgage-Backed Securities (MBS) have been packaged into Collateralized Debt Obligations (CDO), which along with Credit Default Swap (CDS) have generated extremely complex new types of derivative financial products. Insurance companies committed to ensuring the liquidity of such derivative financial products included have also jumped into buying such goods. Since 2005, US nominal interest rates reversed upwards, the US real estate prices have begun to fall, and credit risks in the mortgage market emerged, eventually leading to the outbreak of systematic risks of the mortgage securitization market deviated from normal development, affecting the global financial institutions and investors. As a result of this, the “structured notes” incident broke out in Taiwan in 2008. Although Taiwan and the United States have carried out relevant financial reforms, especially the financial consumer protection part, Taiwan does not have a special law like that of the United States and has not set up a special department dedicated to consumer protection. Instead, it is through the Financial Consumer Protection Act set up by the Financial Supervisory Commission R.O.C. (Taiwan) that strengthens financial institutions’ information disclosure, including financial instrument contents and risks and establishment of related management mechanisms. However, such complex and high-risks derivative financial instruments developed by US investment banks and through other innovative R&D are open to the general banks who accept investments from the general public in Taiwan, and these ways are worth exploring their appropriateness. In addition, Taiwan’s Consumer Protection in Taiwan has adopted the cross-industry management mode. Taking into account the importance of international financial reform to establish financial consumer protection, the discussion on the inclusion of banks’ sale of oversea derivative financial instruments into the scope of the Consumer Protection Act is also an issue of concern.
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Monteiro, Catarina Alexandra Félix. "Upsie: a mobile app on financial education for teenagers." Master's thesis, 2020. http://hdl.handle.net/10400.26/35308.
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Teenagers live in a world surrounded by technological devices that are constantly connected to the Internet. They are born instinctively knowing how to use these devices and quickly cannot live without them. This constant online presence and open access to social media full of advertisement campaigns, encourage consumerist behaviors at an increasingly early age. However, teenagers often do not know how to manage money or have a critical opinion on their consuming habits. This problem motivated a research project with the goal of creating an educational and serious mobile app, using gamification elements, to help teenagers manage their financial expenses, as well as educating their consuming habits towards more conscious and informed decisions. Upsie is a mobile app that can be used on a daily basis, and where gamification elements are used to generate more engagement in users. From user interviews to interface design and usability testing, the entire process of creating the app is covered, until reaching a final interactive prototype.Os adolescentes vivem rodeados de dispositivos tecnológicos que estão constantemente ligados à Internet. Os jovens nascem a saber como usar estes dispositivos quase instintivamente e rapidamente não conseguem viver sem eles. A constante presença online e o acesso a redes sociais repletas de campanhas publicitárias, estimulam comportamentos consumistas numa idade cada vez mais precoce. No entanto, os adolescentes muitas vezes não sabem como gerir o seu dinheiro ou não têm uma opinião crítica sobre os seus hábitos de consumo. Esta questão motivou um projeto de investigação com o objetivo de criar uma aplicação de telemóvel séria e educativa que ajuda os adolescentes a gerir as suas despesas financeiras, para além de educar os seus hábitos de consumo, promovendo decisões mais conscientes e informadas. Upsie é uma aplicação que pode ser usada no dia-a-dia, e onde os elementos de gamificação vêm gerar mais motivação nos utilizadores. Desde entrevistas a utilizadores, até ao desenho da interface, passando pela realização de testes de usabilidade, todo o processo de desenvolvimento desta app é apresentado, até chegar ao protótipo interativo final.
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Madeira, Joaquim Manuel Pina. "Relevância da informação financeira antes e após o Subprime." Master's thesis, 2010. http://hdl.handle.net/10071/3052.
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JEL Classification System: G10, M41Diversas investigações sobre os mercados de capitais têm referido que a relevância das informações financeiras tem vindo a diminuir ao longo do tempo, particularmente nas últimas décadas. No presente trabalho analisamos a relevância das informações financeiras na definição do valor de mercado das empresas cotadas em Portugal, Holanda, Bélgica, França e Espanha, antes e após o subprime e sua evolução recente. Os resultados obtidos indicam que as informações financeiras são relevantes para os mercados, tendo sido encontrado um aumento considerável na relevância das mesmas do período anterior para o período posterior ao subprime. Contrariamente aos resultados obtidos em diversas pesquisas realizadas, observámos um aumento significativo da relevância das informações financeiras ao longo da última década. Os resultados indiciam que a adopção e evolução levada a cabo ao nível da harmonização contabilística internacional, nomeadamente com a progressiva introdução e utilização do normativo do IASB, está o produzir os seus resultados, tornando as informações financeiras mais relevantes para os mercados. Encontramos ainda evidências de que em períodos de maior turbulência e volatilidade dos mercados, o poder explicativo da variável resultados é superior ao dos capitais próprios. Tal facto é bem ilustrativo da importância atribuída à capacidade das empresas gerarem fluxos financeiros em períodos mais conturbados.
Several researches regarding the capital markets have mentioned that the value relevance of financial information has been diminishing over time, especially in the past few decades. At the present work, we analyze the value relevance of financial information in the definition of the stock prices of companies listed at the Stock Exchange in Portugal, Netherlands, Belgium, France and Spain before and after the subprime crisis and its recent evolution. The obtained results indicate that the financial information is relevant for the markets. It has also been found a clear increase of the value relevance of financial information from the period before to the post subprime period. Unlike the results obtained in several researches, we have observed a significant increase of the value relevance of financial information during the last decade. The results indicate that the adoption and evolution of the actions regarding the international accounting harmonization, namely with the growing implementation and use of IASB rules, is producing its results by turning financial information more relevant for the markets. We find evidence that, under more turbulent and volatile periods, the variable earnings has a larger capacity for explaining the stock price than the book values of equity. Such fact illustrates the importance given to the companies capacity to generate financial flows in most troubled times.
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Huang, Ya-jie, and 黃雅婕. "A Study on the Effects of Social , Financial,Innovation Capital and Insurance Coverage on the Financial Performance in Taiwan&;apos;&;apos;s Semiconductor Industry." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/83001589115947809889.
Full textAbstract:
碩士國立高雄第一科技大學
風險管理與保險研究所
102
The financial performances for the semiconductor firm increase as the technology and economy development increased. The effects of social, financial, innovation capital, insurance coverage and financial performances are important issues. This study focuses on the use of financial data of Taiwans semiconductors period 1998-2012 and hierarchical regression method. We find that social capital, as measured by total lending and borrowing among related-party transactions, have negative effect on a firm&;apos;&;apos;s value. Innovation capital and insurance coverage have significant positive effects on financial performance for all variables include in the final model in Taiwans semiconductor firms.
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Wu, Hsiu-Chuan, and 吳秀娟. "Financial Ratio Analysis for Credit Departments of Luzhou Dist. Farmers'' Association in New Taipei City－Comparison with Banqiao Dist. Farmers'' Association and Xinzhuang Dist. Farmers'' Association." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/9nh862.
Full textAbstract:
碩士國立臺灣大學
農業經濟學研究所
107
This study collected the financial information of the credit departments of three New Taipei City Farmers’ Associations from 2000 to 2017, namely the Luzhou District Farmers’ Association, the Banqiao District Farmers’ Association, and the Xinzhuang District Farmers’ Association as research samples, with financial ratio analysis, structural ratio analysis, and trends. Analysis and correlation analysis are analytical tools that analyze the financial performance of the research sample. Firstly, a comparative analysis of financial ratios is carried out, which is divided into five major facets of financial structure, solvency, operating ability, profitability and exposure degree, and is calculated separately from each of the ratios from 2013 to 2017. The average of the Luzhou District Farmers'' Association, the Banqiao District Farmers'' Association, and the Xinzhuang District Farmers'' Association compares the strengths and weaknesses of the five major facets in the rankings, and then on their balance sheets and income statements. The important project data is used for structural ratio analysis and annual trend analysis. Finally, the correlation analysis is made with the earnings of the Credit Department of Farmers’ Association and the market index interest rate. The ratios compared in this study are based on the premise of meeting the safety standards and taking the profit of the operation as the consideration. According to the empirical results, in terms of financial structure, solvency, operating capacity and exposure degree, Luzhou District Farmers Association The performance of the peasant association is better than that of the Xinzhuang District Farmers Association and the Banqiao District Farmers Association. In terms of profitability, it is in a backward trend and needs to be strengthened. In the analysis of the correlation between earnings and market index interest rates, the study found that the change of the 2-year fixed-rate reserve mobile interest rate of the post office from 2000 to 2017 coincides with the trend of the surplus of the Credit Department of Farmers’ Association, The correlation coefficients of Luzhou District Farmers Association, Banqiao District Farmers Association, and Xinzhuang District Farmers Association are 0.5619, 0.6374, and 0.7648, respectively. In terms of correlation intensity, the relationship between the surplus of the Xinzhuang District Farmers'' Association and the post office interest rate is highly correlated. Luzhou District Farmers Association and Banqiao The district farmers'' association is moderately related, indicating that the surplus of the Xinzhuang District Farmers'' Association is most sensitive to the impact of changes in the post office interest rate, indicating that when the market index interest rate has any turmoil, the higher the correlation coefficient, the greater the impact on the farmer''s association. The impact of the credit department’s surplus will also increase.
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Yang, Cheng-Yen, and 楊政諺. "A Study on the influence of the survivors'' psychology and working attitude under financial crises." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/41755169322703799407.
Full textAbstract:
碩士國立雲林科技大學
商管專業學院
99
During the economic crisis in 2008, many employees were laid off without any prior notices. Since most of the employees were fired unexpectedly, not only they lost their jobs, also their families were affected. On the contrary, for those who stayed, the lay off brought them great impact on both their mentality and working attitude as well. Due to the uncertainty of economic situation, the idea of being next one to be laid off frightens employees. Those who stay would wonder if the companies are worthwhile to work for. Lay off brings many side effects to the employees. No matter what reason why and for the companies lay off employees, it brings many positive and negative impacts on them in the aspect of mentality and working attitude. Companies should be paying attention and giving assistance to cheer up, motivate the employees and give them sense of identity so the company can stay competitive. According to the study, whether the company announces before lay off and whether the standard of lay off is fair or not, these will affect the staying employees’ mentality and working attitude both negatively and positively. Also, from the study of Mishra and Spreitzer, two of ten interviewees reacted constructively/actively. Four of them reacted constructively/passively. Another two reacted destructively/actively. The last two reacted destructively/passively. When the companies lay off, they should make the staying employees’ reaction go to the first quadrant (react constructively/actively), or at least in the second quadrant (react constructively/passively). As for the reaction belongs to the third quadrant (react destructively/actively) and the fourth quadrant (react destructively/passively), the company should have those staying employees prevented from having these reactions.
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Yang, Yuen-Chen, and 楊月珍. "The impact of financial innovation on profitability and costfor Taiwan''s top five security brokers." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/60167232406977617117.
Full textAbstract:
碩士國立雲林科技大學
財務金融系碩士班
101
This thesis examines the impacts of electronic transaction of security industry on market share, profitability and operating expense ratio. The sample includes largest 5 Taiwanese security companies over year 2007 to 2011. The regression results show that electronic trading amounts of the securities are positively related to ROE, gross profit, net profit. However, the market share ratio of electronic trading amounts of the securities is not significantly related to ROE, gross profit, net profit. Finally, the results show that higher level of electronic trading on securities is related to lower operating expense, indicating cost efficiency in electronic trading.
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Lin, Chih-Tsung, and 林志聰. "A Study of China''s Financial Security-The Sino-U.S. Conflict on Currency Exchange Rate." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/76915309322419023067.
Full textAbstract:
碩士國立中山大學
中國與亞太區域研究所
99
The RMB exchange rate started to be a widely international issue discussed with Sino-U.S. relations of Economic since 2002.The main Objective of this study is finding the causes of undervaluing and pressures of facing. However, China’s Financial Security is closely related to the process participating in the international system of finance, so this article is concentrated in the scope of correlate research of RMB exchange rate, and analyzed to find what pressures China facing and what policies China choosing. The causes which nominal exchange rate was biased against the real exchange rate are discriminated between labor factor and interest factor, with observing the change of balance of payment and foreign exchange reserves, so the foreign market unequilibrium can be explained further by analyzing the flow and capital. Finally, the strategic consider of U.S. is also the one of factors that influences RMB exchange rate despite of the economic risks in China. perspectives of international politics in Pressuring RMB exchange rate or opening markets are considered on the coordination of interest groups、congress and government of United States. The conclusion revealed the main reason that China is now facing major secure threats, there are looseness in capital controls, and rigidity in foreign exchange regimes. This threats result in failing to diversify its investment risk of foreign exchange and causing its monetary policy much pressure. The other hand, The purposes of putting pressure on RMB exchange rate by U.S. reflected that they not only transferred the responsibility of unemployment and deficit but also showed the need of domestic politics and the consideration of international politics, so the strength of pressure was not the same in the time series. Therefore, the study argues that the dispute of Sino-U.S. exchange rate was not only the outcome of interaction between two countries’ trade but also this regime of China and purpose of U.S. should be discussed and observed continually.