- 學位論文
運用線上分析處理技術探討提昇原住民族綜合發展基金營運績效之研究
Improving the Performance of General DevelopmentFunds for Indigenous PeopleUsing On-Line Analytical Processing Technique
摘要
摘 要 學號：N9665021 論文名稱：運用線上分析處理技術探討 提昇原住民族綜合發展基金營運績效之研究 總頁數：88 學校名稱：國立屏東科技大學 系（所）別：高階經營管理碩士在職專班 畢業時間及摘要別：97學年度第2學期碩士學位論文摘要 研究生：劉光賢 指導教授：蔡正發 論文摘要內容： 「原住民族綜合發展基金」業務開辦至今，基金營運績效長期不佳，實有必要進一步檢討提出因應措施。因此本研究針對原民基金貸款業務執行狀況，擬使用近年來熱門且實用之線上分析處理技術 (OLAP；On-Line Analytical Processing)將由原民會資料庫中所獲得的原民基金，在各銀行中往來之金融資金資料，針對貸款業務執行率偏低及貸款逾期放款比率偏高等相關維度進行分析，藉由分析結果提出相關對策。研究結果歸納如下： 一、研擬「原民基金」貸款業務執行率偏低因應對策。 1.配合原住民政策措施及發展，研擬符合原住民需求之貸款項目；2.加強對原住民理財之教育訓練；3.加強原民基金宣導工作；4.增選合適之金融機構辦理原民基金貸款。 二、研擬「原民基金」項下貸款業務逾放比率偏高之因應對策。 1.考量以當地鄉鎮的農漁會信用部為主進行審核貸款；2.避免貸放風險完全由「原民基金」承擔，可參考「農業發展基金」之作法，由經辦行出資及風險自負，改給予優惠利息補貼；3. 整合原民會既有機制建立合適的輔導措施。如目前農委會有融資輔導措施、中小企業也有相對完備的融資輔導措施。 三、評估孟加拉Grameen銀行貸款互保機制，納入「原住民微型經濟活動貸款」的可行性及相關配套措施。 四、定期檢討「原民基金」貸款的執行成效，配合原住民政策的短、中、長期目標，使貸款項目及條件更多元化。 五、建構符合原住民需求之金融體系，可望對原住民的經濟發展做出具體貢獻。
並列摘要
Abstract Student ID：N9665021 Title of thesis：Improving the Performance of General Development Funds for Indigenous People Using On-Line Analytical Processing Technique Total page：88 Name of Institute：Executive Master of Business Administration, National Pingtung University of Science and Technology Graduate date：June 25,2009 Degree Conferred：Master Name of student：Guang Shyan-Liou Adviser：Cheng-Fa Tsai The contents of abstract in this thesis： This research mainly deals with the negative performance on the execution of “General Development Funds for Indigenous People”. The inefficiency of budget execution not only lowers the funding operation performance, but it results in a 16% or more Nonperforming Loans performance comparing to the other similar loan policy in recent years. The research suggests methods to improve both in the community empowerment and performance of funds operation aspects. Concerning the operation situation of Indigenous Loans Funds, this research applies OLAP (On-Line Analytical Processing) to analyze the data of the exchange archives between other domestic banks adopting from Council of Indigenous Peoples, and it focuses on the problems as the low transaction of loans business and the high percentage of the nonperforming loans. This research contribution may be divided into six items as below: (1) The background, characters and reasons under the nonperforming loans happened between the authentication accounts from Indigenous Funds by applying to OLAP system. (2) To response to the cause of low operation problem of Indigenous Funds. (3) To response to the reason of high percentage of nonperforming loans of Indigenous Funds. (4) To compare to the success model of Indigenous Funds from Grameen Bank in Bangladesh, and evaluate the possibility of the new policy of “Microfinance Activity Loans for Indigenous peoples” and the complementary measures. (5) To suggest the loans and authentication transaction of Indigenous Funds. (6) To suggest the finance system designed for indigenous people as for their finance development.