臺灣博碩士論文加值系統

在我國因公司法限制公司自有資金不得借貸與他人，除銀行等金融機構以外之一般公司無法以資金貸放為主業。然實際上確有業者能以融資租賃、分期付款、協助銀行業務推廣等方式實際提供融資相關服務，本研究即欲針對此類進行銀行與非銀行融資機構之業務模式加以探討（鄭元欣，2010）。
為凸顯非銀行融資機構之特性，本研究將與銀行放款業務兩相比較，訪談包括銀行機構與非銀行融資機構相關業者，分別就小客車融資業務領域，請教當面對法規限制與銀行競爭下，主要之利基點優勢在哪、及彼此間競爭關係。
本研究發現，銀行與非銀行融資業者，各自基於不同之利基優勢發展業務：在具有特殊資訊的業別，如重型機車、貨車買賣融資等，非銀行融資業者藉由早期進入、不斷累積，以及對特定產業的透析，累積產業的特殊資訊；或是能提供高密度之人力服務，而能掌握市場動向、借款者風險性質，降低放款損失。尤其能在銀行傳統主流授信體制之外，提供更多元之融通管道與融通形式，對於具有未來潛力但目前尚無經營實績之新興中小企業，或是其他財力較不受銀行認可之特殊客群，能提供良好之扶植能力。
但銀行早期能藉由客戶數量龐大之優勢，建立齊全之風險資料庫，對於一般性之風險辨識經驗有較優異的表現，在一些不具特殊產業資訊的領域，以資金成本優勢取勝。可銀行線與融資線競爭優勢不同，客群和承作意願也不盡相同，融資公司相對可接受的範圍較大，無論在利率或金額已大幅度追上銀行線程度，近幾年融資體系累積之客戶數量已逐漸龐大。

In Taiwan, because company law restricts a company's own assets to borrow and lend to others, general companies other than financial institutions, such as banks, cannot rely on lending for loans. However, in fact, some companies can actually provide financing-related services by means of financial leasing, instalment payments, and assistance in the promotion of banking services. This study is intended to explore the business models of banks and non-bank financing institutions.

In order to highlight the characteristics of non-bank financing institutions, this study will be compared with the bank lending business, the interview includes six banking institutions and non-bank financing institutions seven related operators, respectively, on the small customer financing business domain, please ask when faced with regulatory constraints and bank competition, the main niche advantage sits in, and the competitive relationship between each other.

This research finds that bank and non-bank financing companies each develop their business based on the same advantages: in industries with special information, such as heavy machinery, truck financing, etc., non-bank financing companies continue to accumulate through early entry. As well as the analysis of specific industries and the accumulation of special information in the industry; or the ability to provide high-density human services, while being able to grasp market trends, the nature of borrower risks, and minimize lending losses. In particular, it can provide diversified financing channels and forms in addition to the traditional banking credit system of the bank. For emerging SMEs that have no potential but currently have no operating performance, or other special customers with financial resources that are recognized by the bank. , Can provide good support.
However, the bank can build a complete risk asset bank by virtue of the huge advantages of customers. It has a better performance in general risk identification experience. In some areas with special industry information, it wins with capital cost advantages. Therefore, the competitive advantages of the bank and the financing company are different. The relatively acceptable range of financing companies is relatively large. No matter the interest rate or amount has largely caught up with the bank line, the number of customers accumulated in the financing system has gradually increased in recent years.

目錄
摘要 I
ABSTRACT III
誌謝 V
目錄 VI
表目錄 VIII
圖目錄 IX
一、緒論 1
1.1　研究背景與動機 1
1.2　研究目的與研究問題 3
二、文獻探討 4
2.1　汽車貸款定義 4
2.2　汽車貸款申請管道 7
2.3　汽車貸款申請流程 11
2.4　市場常見的車貸利率方案 13
2.5　汽車貸款銀行線與融資線利率判斷差異 17
2.6　汽車貸款無法繼續還款之後果 25
三、研究方法與設計 28
3.1　研究範圍與對象 28
3.2　研究方法 30
3.3　研究流程 32
四、汽車分期貸款業務競爭利基探討 34
4.1　汽車貸款市場概況 34
4.2　銀行線與融資線車貸同業個案探討 37
4.3　汽車銷售業者個案探討 43
4.4　一般消費者個案探討 44
4.5　訪談重點歸納 45
五、研究結論與建議 52
5.1　研究結論 52
5.2　研究限制與建議 54
參考文獻 55
中文部分 55
英文部分 56
附錄：訪談摘要 57
<附錄一>同業T融資公司訪談摘要 57
<附錄二>同業H融資公司訪談摘要 60
<附錄三>同業C銀行訪談摘要 63
<附錄四> S汽車銷售員訪談摘要 67
<附錄五> Z消費者訪談摘要 69

參考文獻
中文部分
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英文部分
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