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Student Number 974308024
Author Ko-i Kao(高克彛)
Author's Email Address No Public.
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Department Executive Master of Finance Management
Year 2009
Semester 2
Degree Master
Type of Document Master's Thesis
Language zh-TW.Big5 Chinese
Title The Study of Microfinance Institutions
Date of Defense 2010-07-08
Page Count 56
Keyword
  • Grameen Bank
  • microfinance institutions (MFIs)
  • social business enterprise(SBE)
  • Abstract There are almost ten billions poor people all over the world. These people can’t achieve official financial services due to the lack credit history and official income records. For this reason the developing special finance institutes to provide poor people a reasonable way to borrow or lend money has become a very important issue. In this study we introduces one kind of these special finance institute—microfinance (Grameen Bank in Bangladesh is a represent ). Besides we discuss some empirical studies about microfinance, analyzes some indicators for measuring financial services, some methods for evaluating microfinance and its effect. Moreover, this thesis also introduces the effects of Da-Cheng city commercial bank in Mainland China to provide microfinance, the hardships which Da-Cheng city commercial bank met during developing microfinance and the history of Citizen bank to develop microfinance. The result showed that the these decisions not necessarily lead to increase income of households. In the other words, microfinance does not necessarily lead to alleviate poverty. Moreover we also mention that people can use residual value method to price microfinance (only applies to these companies with stable capital structure). Moreover, microfinance has features of high quality of assets and low beta. So, investors can reduce volatility of portfolio by holding stock of companies which provide microfinance. Further, Da-Cheng commercial bank and Citizen bank contribute a lot to alleviate poverty. Finally, we hope the Taiwan government can provide poor people formal methods to achieve financial services in order to create a broader way to improve the economy growth rate of Taiwan.
    Table of Content 目錄
    中文摘要………………………………………………………………………i
    英文摘要………………………………………………………………………ii
    誌謝……………………………………………………………………………iii
    目錄……………………………………………………………………………iv
    圖 目錄………………………………………………………………………vi
    表 目錄………………………………………………………………………vii
    第一章 導論…………………………………………………………………1
     1-1 研究背景…………………………………………………………………1
    1-1-1  背景資訊 ………………………………………………………1
       1-1-2金融隔離……………………………………………………2
     1-2 研究動機與目的…………………………………………………………4
     1-3研究方法…………………………………………………………………6
    第二章 葛拉敏銀行簡介及微型貸款……………………………………7
     2-1早期微貸款概念………………………………………………………7
     2-2 孟加拉微貸經驗的時代背景…………………………………………7
     2-3 葛拉敏銀行………………………………………………………………9
    第三章 資本主義與社會型事業…………………………………………….13
     3-1 資本主義及其流弊…………………………………………………13
     3-2 社會型企業興起的時代背景…………………………………………15
     3-3社會型事業典範─葛拉敏達能…………………………………………17
    第四章 微型貸款革命………………………………………………………20
     4-1 葛拉敏銀行的成效……………………………………………………20
     4-2 微型貸款的重要性……………………………………………………24
     4-3 微型貸款在中國………………………………………………………26
    第五章 微貸實證研究及除貧研究……………………………………29
     5-1微貸研究…………………………………………………………29
     5-2 除貧研究…………………………………………………………33
    第六章 微型金融機構的股權評價及其多角化效果………………………35
     6-1 全球金融管道的指標…………………………………………………35
     6-2微型金融機構股權評價……………………………………………… 39
     6-3 微型金融機構的多角化投資效益……………………………………41
     6-4 微型金融機構與傳統銀行之比較……………………………………42
    第七章 個案研究:各商業銀行微型貸款業務現況………………………45
      7-1 中國大慶市商業銀行…………………………………………………45
      7-2 花旗銀行………………………………………………………………49
    第八章 結論………………………………………………………52
    參考文獻………………………………………………………………………54
    圖目錄
    圖 1 開發中與已開發國家存款帳戶基本資料分析……………………………………………37
    圖 2 開發中與已開發國家放款帳戶基本資料分析……………………………………………38
    表目錄
    表 1 信用評等方式(5P原則)……………………………………………………………4
    表 2 從一代到二代:葛拉敏更具彈性的回應系統………………………………………12
    表3 世界銀行金與葛拉敏銀行之比較……………………………………………………16
    表 4 麻省理工學院扶貧實驗室的推廣政策與成效……………………………………34
    表5 微型金融機構股權各個評價方法的優缺點………………………………………40
    表 6 花旗銀行2002年至2009年間,微貸業務簡史…………………………………51
    Reference 參考文獻
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    Advisor
  • Tzu-Kuan Chiu(邱慈觀)
  • Files
  • 974308024.pdf
  • approve immediately
    Date of Submission 2010-07-22

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