Dissertations / Theses on the topic '信用合作'

碩士
國立臺北大學
合作經濟學系
90
There are 39 credit co-operations left in Taiwan. They are facing problems in supervising and managing level. These problems may cause the disappearance of credit co-ops and the loss of their members, and also effect the financial environment in Taiwan. Therefore, solving these problems is not only an issue on which should be put emphasis, but also a direction for these existing credit co-ops to improve. Corporate governance mechanism refers to supervising business operation to practice the managing mechanism by law. By using the subjects of corporate governance from Chinese Taipei APEC Research Center, this study tends to conduct the corporate governance mechanism into the organization, management, supervision, and relationship among members of these credit co-ops in Taiwan. By this study, we can find out the problems and offer some suggestions to solve. According to these researching motivations mentioned above, this study shall cover these issues: 1.Studying laws and decrees of Germany, Japan, Taiwan, and the practicing of corporative governance. 2.Analyzing the management, supervising mechanism of credit co-ops, and relationship among their members, such as cooperatives affairs, business, and law limitations. 3.Investigating these problems from directors, supervisors, and managers, and also observing their attitudes towards these problems. 4.Designing questionnaire aiming at the internal and external managing problems existing in the credit co-ops in Taiwan. 5.Trying to establish the pattern of corporate governance in order to estimate and improve the operating problems of credit co-ops. This study intends to design the questionnaire surveying the managing level of the 39 credit co-ops. This survey included directors, supervisors, board chairmen, CEOs, and managers. 23 out of 39 surveys were collected. According to the outcomes of surveys and the examination of independence study, we found: 1.In members''rights aspect, surplus distribution was not validated and education was not sufficient enough. 2.In director and supervisors’ responsibility, majority of the 129 surveys agreed to maintain the presenting election rules and as for the introducing of external directors and supervisors, every position category agreed to do so and most of them believed that these external directors and supervisors should be members of the credit co-ops. 3.According to information symmetry, all information should be fully published and on the websites of the credit co-ops, the services of investing and financing, on-line business, and announcements should be added. 4.All financial audit should be reviewed by professional accountancy to establish the sound of financial records. 5.In the capability of Credit Co-ops Unions, the Unions could be in charge of business development and the scholar researches of cooperative finance, and also build the mutual platform of sharing information. 6.Base on previous findings, if credit co-ops could comply with these practices, they could avoid merging and taking over by commercial banks that central authority allows.

碩士
東吳大學
經濟學研究所
86
The relationship of the efficiency and the risk management at the credit unions, the folk bank-like organizations in Taiwan, are described in this dissertation. the efficiency of the credit union was measured by use of financial ratios. Kinds of financial ratios in the bank alarm system are stand for the risk of the credit, the risk of floating, and the risk of the asset as well as the involvement by the local political powers. I try to understand the obvious characteristics of these parameters by use of the Spearman‘s Rank Correlation Test. The management efficiency of the credit union was measured by the asset earnings ratio and Ratio of surplus to the total income. The over loan ratio, Ratio of the deposit to loan and Ratio of the margin to the total deposit are stand for the credit risk, floating risk and asset risk, respectively. I resolved the relationship of data collected from 1994 to 1996, in the meanwhile, wanted to indicate the obvious characteristics by use of Spearman‘s Rank Correlation Test. Otherwise, I divide the Taiwan area to eight regions including Taipei, Kaoshung, Taichung, Chai-Yi, Tainan, Hsingchu, Junghua, and other counties. By analyzing these eight separate groups, I can realize the characteristics of these credit organizations in different regions. I conclude the features in following: 1. The over loan ratio is gradually increased by years, but the asset earnings ratio is oppositely reduced. 2. Ratio of the deposit to loan is lower than the general bank system is due to the environment of the management and the restriction of the law. The ability of the asset management is also worse. The floating risk is lower but has reduced the earning capacity. 3. Large numbers of the credit unions can not attend the standard ratio of the margin to the total deposit justified by the law. The asset of these organizations is too low to overcome the lost. It is difficult to last the business of the organization forever maintenance. 4. According to the results of the related parameters, it is more obvious for the relationship of the over loan ratio and management efficiency.

陳煜禮.
論文(哲學碩士)--香港中文大學, 1998.
參考文獻: leaves 2-12 (3rd group)
中英文摘要.
Chen Yuli.
Chapter 第一章 --- 综論 --- p.1-10
Chapter 第一節 --- 緒論 --- p.1-4
Chapter 第二節 --- 中國近代農村經濟合作運動研究概況 --- p.5-9
Chapter 第三節 --- 研究目的及架構 --- p.10
Chapter 第二章 --- 三十年代江蘇省傳統農村金融概況 --- p.11-38
Chapter 第一節 --- 三十年代江蘇省農村經濟情況 --- p.11-20
Chapter 第二節 --- 江蘇省三十年代農村資金短缺現象之分析 --- p.21-23
Chapter 第三節 --- 江蘇農家融通資金一借貸來源之分析 --- p.24-38
Chapter 甲、 --- 私人借貸 --- p.24-27
Chapter 乙、 --- 商店借貸 --- p.28-30
Chapter 丙、 --- 典當業 --- p.30-33
Chapter 丁、 --- 合會組織 --- p.33-36
Chapter 第三章 --- 江蘇省新式農村金融組織之出現一信用合作社 --- p.39-67
Chapter 第一節 --- 合作理念在近代中的傳播與發展 --- p.39-46
Chapter 甲、 --- 華洋義賑會經營的合作事業 --- p.41-44
Chapter 乙、 --- 國民政府推進合作運動 --- p.45-46
Chapter 第二節 --- 江蘇省農村信用合作的發展歷程 --- p.47-50
Chapter 第三節 --- 江蘇省農村信用合作社組織架構及資金來源 --- p.51-67
Chapter 甲、 --- 信用合作社之組織架構 --- p.52-53
Chapter 乙、 --- 農村信用合作社的組織實體´ؤ「社員」 --- p.54-57
Chapter 丙、 --- 信用合作社的資金來源 --- p.57-67
Chapter 一、 --- 江蘇省農民銀行 --- p.58-63
Chapter 二、 --- 上海商業儲蓄銀行 --- p.63-66
Chapter 第四章 --- 蘇南丹陽縣、蘇北淮陰縣兩地信用合作社發展成敗之檢討 --- p.68-85
Chapter 第一節 --- 蘇南丹陽縣之信用合作 --- p.68-76
Chapter 第二節 --- 蘇北淮陰縣之信用合作 --- p.77-84
Chapter 第五章 --- 總結一農村信用合作成效之評議 --- p.86-94