臺灣博碩士論文加值系統

金融活動是現在經濟體系中極為重要的一環，隨著台灣經濟的快速發展，民眾的金融活動亦日趨活躍。但是就空間的分布來看，經濟與金融發展的步伐並不一致，南北差異、城鄉差距或東西落差的各種議題已引起政府與學術界的重視。本研究的主要研究目的有二：一是分析金融活動在台灣的空間分布情形，觀察金融活動是否存在明顯的空間相依現象，二是分析人際網絡與數位化程度對台灣家計單位金融活動之影響，特別是在控制空間相依的干擾下，衡量這兩項因素對金融活動的影響。
為達上述研究目的，本研究乃利用行政院主計處2005年的家庭收支調查資料庫，先使用Geoda空間統計軟體，藉由全域型空間自我相關測試(Moran’s I)及地區型空間自我相關測試(LISA)，觀察各變數在各地區的空間相關性。並進一步以個別家計單位為研究單位建構貝氏空間模型(本研究的主模型)，利用BayesX軟體與馬可夫鏈蒙地卡羅法估計半母數的非線性迴歸模型。
本研究結果發現，空間效果對台灣南北部金融活動的影響有顯著差異，台灣北部的金融活動相對較活躍，中部的數位化程度明顯較低。在控制變數方面，所得與保險費用亦與金融活動呈正向顯著相關；戶長為女性、中高學歷、職業屬於製造業的家庭，其金融活動會比戶長為男性、低學歷、職業為農林漁牧礦業的家庭活躍。更重要的是，在控制空間因素及人口統計變量的影響後，人際網絡密度與數位化程度，對我國家計單位的金融活動確實具有顯著正向影響：也就是說人際網絡密度與數位化程度較高的家計單位，其金融活動較活躍。

The dependent of financial activities are different in each area of Taiwan. Both field of government and academics have noticed the north-south or urban-rural divides.This paper intends to analyze the spatial distribution of financial activities in Taiwan, observing the spatial dependence of financial activities. Moreover, we attempt to the other one measure the impacts of social network and digitalization on the households’ financial activities, in considering the spatial dependence effects.
We use the data from Taiwanese Household Survey in 2005 and examine the spatial dependence through Moran’s I and LISA by Geoda software. Then we build a bayesian spatial model, using BayesX software and MCMC method to estimate the coefficient.
According to the empirical results, financial activities in northern Taiwan are obviously more active. And the degree of digitalization is low in the central Taiwan. As for demographic variables, if income and insurance expense are positively related with financial activities. If the host of household is female、having high education and working in manufacture, his(her) household involve more financial activities. More important, section, social network and digitalization show positively influence on financial activities, considering the spatial effects and demographic variables. That is, the households having intensive social network or higher digitalization degree would engage more financial activities.

第一章 研究動機與目的 4
第一節 人際網絡暨數位化程度之重要性 4
第二節 空間分析之重要性 7
第二章 文獻探討 9
第一節 人際網絡 9
第二節 數位落差 10
第三節 空間計量經濟學 11
第三章 研究設計與研究方法 15
第一節 資料來源與實證模型 15
第二節 資料分析方法 16
第三節 資料說明與變數設定 23
第四章 實證分析 27
第一節 樣本結構分析 27
第二節 空間相關 34
第三節 貝氏空間迴歸模型 40
第五章 結論 47
參考文獻 49
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