2016-02-012024-05-17https://scholars.lib.ntu.edu.tw/handle/123456789/679739摘要：近年來，開發中國家中有許多由政府或非營利組織推動的微型貸款計畫，希望當地的貧民可以藉此取得資本改善生產，進而脫離貧窮。這些機構嘗試了各種不同的作法提高還款率，使得微型貸款計畫得以自給自足。這也吸引了以營利為目標的企業加入這個市場。學術界也出現了許多研究，希望可以進一步提高還款率並降低營運成本。 然而，最近的實證研究發現，微型貸款計畫並沒有達到預期的成效：大部份貧民的收入並未因此提升。這些研究也指出，微型貸款計畫成效不彰的原因可能與貧民間的差異性以及貧民如何運用貸款有關。 本計畫的目標為探討這這些因素的影響下，微型貸款的發展策略。本研究將建立模型，使用賽局理論分析，以增進對狀況的了解，並且提出建議。本研究預期將回答以下的問題：(1)非營利組織該提供貸款給哪些貧民？(2)如何找出這些貧民？(3)是否該限制貸款的用途？(4)以營利為目標的企業的客戶選擇及影響？(5)如果貸款由企業提供，政府是否該介入？該如何介入？<br> Abstract: In recent years, there are many micro-credit programs in developing countries held by governments or non-governmental organizations. By helping poor people get access to financial markets, these programs hope that the poor can use the capital to increase their income and get rid of the poverty trap. These programs use different approaches to increase the repayment rate. Many academic studies also concentrate on how to increase the repayment rate and reduce the operational cost. Nowadays, these micro-credit programs gradually become financially self-sustainable and this attracts many for-profit companies to join this market. Although micro-credit looks very promising in alleviating poverty, recently, many empirical studies show that these programs did not create the expected impact: most of their clients did not get a higher income. These studies indicate that the underlying reasons might be related to the heterogeneity between poors and the actual use of the loan. In this study, we establish a stylized model to capture these factors, and use game theory to analyze this model. We plan to answer the following questions: (1) Which poor people should the governments or non-governmental organizations provide loan to? (2) How to target these potential clients? (3) Should the use of the loan be constrained and monitored at a cost? (4) Which poor people will a for-profit company provide loan to? What is the resulting influence? (5) If the micro-credit program is held by a for-profit company, should the government intervene? If so, what should the government do?具社會責任的營運模式微型貸款開發中國家新科技推廣賽局理論socially responsible operationsmicro-creditnew technology adoptiongame theory