- 學位論文
民間金錢借貸扮演角色探討
Discussion on the Role Played by Private Money Lending
摘要
摘要 台灣的民間借款一直蒙著神秘的面紗，在神秘面紗裏，很難窺探民間借貸這產業的供需情況。本研究欲了解，台灣民間借貸在生活中扮演的角色，藉以了解債務人與民間借貸行業中，各種關係的呈現。同時也能理解民間借貸與債務人間，以何種方式進行借貸及民間借貸的經營理念。 本研究主題以競爭面、管理面、專業面、顧客面等四個構面進行，研究方法以個案研究及深入訪談方式進行。訪談後整理資料、歸納分析訪談後的結果，獲得以下結論： 在競爭面，民間借貸是一高度專業的行業，非潛在競爭者認為低門檻高利潤的行業。在管理面，民間借貸就像醫生一樣，在診治病人後希望病人能夠痊癒，故借款後也能協助債務人解決資金的問題，同時必須預防呆帳的風險，切實做好事前評估。從專業面來看，專業人才培訓不易，除不斷培訓外，天分也是極其重要。就顧客面而言，由於審查快速，利息雖高，但能及時解決顧客急需資金的需求。 本文研究成果除了可供台灣民間借貸同業日後參考，也希能對台灣民間借貸全貌做一描述，以破除舊有的刻板印象。質言之，在台灣金融發展的同時，民間借貸也扮演著促進經濟發展的重要角色。
並列摘要
Abstract The private lending industry in Taiwan has always been shrouded in mystery. Under this veil of mystery, it is difficult to peek into the supply and demand situation of the private lending industry. Through this study, we want to understand the role of private lending in life, and understand the various relationships between borrowers and the private lending industry. At the same time, we can also understand how private lending and borrowers conduct lending and the business philosophy of private lending. The research topic is conducted from four perspectives: competitive, management, professional, and customer. The research method is based on case studies and in-depth interviews. After the interview, we organize the data, summarize and analyze the results of the interview, and draw the following conclusions: Competitive aspect: Private lending is a highly professional industry, not a potential competitor who thinks it is a low-threshold and high-profit industry. Management aspect: Private lending is like a doctor who hopes that the patient can recover after treating the patient. Therefore, after borrowing, it can also help borrowers solve their financial problems. At the same time, it is necessary to prevent the risk of bad debts and do a good job of pre-evaluation. Professional aspect: Professional talent training is not easy. In addition to continuous training, talent is also extremely important. Customer aspect: Because of the fast review, although the interest rate is high, it can meet the customer's urgent need for funds. These are the results of this study, for reference by Taiwan's private lending peers in the future. We hope to understand the whole picture of Taiwan's private lending and break the old stereotypes. While Taiwan's financial development, private lending also plays an important role in economic development.