本國銀行對中小企業放款與資產品質之關聯性研究 - 政大學術集成
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(2) 立立. n. al. er. io. sit. y. Nat. 4.. •‧. 3.. •‧ 國. 2.. ㈻㊫學. 1.. 政 治 大. Ch. engchi. II. i n U. v.
(3) ........................................................................................................................ III ........................................................................................................................ IV .......................................................................................................................... V ........................................................................................................... 1 .................................................................................... 1 ................................................................................................ 5 ................................................................................................ 5 ................................................................................................... 7 .................................................................................... 7 .................................................................... 8 .................................................................. 16 .................................................................. 18 ................................................................................................. 25 ...................................................................................... 25 .............................................................................................. 26 .............................................................................................. 26. ㈻㊫學. •‧. •‧ 國. 立立. 政 治 大. n. al. er. io. sit. y. Nat. ................................................................................................. 33 .......................................................................................... 33 .......................................................................................... 38 .......................................................................................... 43 .............................................................................................. 48. Ch. i n U. v. ............................................................................................. 65 ...................................................................................................... 65 ...................................................................................................... 66. engchi. ..................................................................................................................... 68. III.
(4) ........................................................................................ 31 ................................................................................................ 32 ........................................................................................ 32 ................................... 35 ................................... 37 F .................................... 38 t ..................................... 39 F .................................... 39 t ..................................... 40 F .................................... 41 t ..................................... 41 F .................... 42 t .................... 42 ............................................... 43 ........................................... 44 ............................................... 45 ................... 46 ................................... 47 ............................... 51 ........................................................................ 55 .......................... 59 K-Means ..................... 63. ㈻㊫學. •‧. •‧ 國. 立立. 政 治 大. sit. n. al. er. io. K-Means. y. Nat. 3-1 3-2 3-3 4-1 4-2 4-3 4-4 4-5 4-6 4-7 4-8 4-9 4-10 4-11 4-12 4-13 4-14 4-15 4-16 4-17 4-18 4-19. Ch. engchi. IV. i n U. v.
(5) .............................................................. 2 ...................................... 3 ...................... 4 ...................... 4 .......................................................................................................... 6 ( ) .......................................... 33 ............................................ 34 ............................................ 36 ................................ 48 .... 49 ................................ 50 K-Means ........................... 52 K-Means 53 K-Means ........................... 54 .............................. 56 .. 57 .............................. 58 K-Means ......................... 60 K-Means. 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. sit. y. Nat. 1-1 1-2 1-3 1-4 1-5 4-1 4-2 4-3 4-4 4-5 4-6 4-7 4-8 4-9 4-10 4-11 4-12 4-13 4-14. n. al. er. io. ...................................................................................................................................... 61 4-15 K-Means ......................... 62. Ch. engchi. V. i n U. v.
(6) 政 治 大. 1. 立立. 1,049. sit. y. 59. n. al. Ch. (. e n2011) gchi (. 95.5%. 48. er. io. 23. •‧. •‧ 國. ㈻㊫學. 2010. Nat. 132. 2011. 95.8%. 1-1. i n U. v. ). 99.7%. 1. (1) (2) 1. 2011.
(7) 政 治 大. ㈻㊫學. 1-1. •‧ y. Nat. io. (. n. al. 100. 9. Ch. 101. 1. 1-2. 1. 101 ). engchi 100. 11%. 2. 5. sit. 100. er. •‧ 國. 立立. i n U 1. v. 101. 5.
(8) 1-2. 立立. 100. io. 8. n. al. 7. 45.61%. 1-4. 101 (100). er. Nat. (101). 1. y. ). sit. 1-3. •‧. •‧ 國. ㈻㊫學. (. 48.98%. 政 治 大. Ch. engchi. i n U. 3.37%. v. (. ) 100. 1. 49.08%. 52.81%. 3. 9. 101. 9.
(9) 立立. 1-3. 政 治 大. •‧. •‧ 國. ㈻㊫學. n. er. io. sit. y. Nat. al. Ch. engchi. 1-4. 4. i n U. v.
(10) ( ). 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. n. er. io. sit. y. Nat. al. Ch. engchi. i n U. v. ( ). 5.
(11) 1-5. 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. n. er. io. sit. y. Nat. al. Ch. engchi. 1-5. 6. i n U. v.
(12) 1967. 9. 立立. 14 1990 5 3 政 治 大1967. •‧ 國 7. y 1967 1977. n. al. 7. Ch. 8. engchi. sit. io 1982. 9. •‧. 5. Nat. 2000. 1995. 9. er. 1982. 8. ㈻㊫學. 1977. 9. i n U. v. 1995 ). 2000. 5. (1996). 7. 9. (.
(13) Drucker(1976). 1.. 3.. 4.. 5.. 7.. 2.. 6.. 8. Committee on Economic Development 1. 2. 3 4. (. 立立. 2008). 政 治 大. •‧. •‧ 國. ㈻㊫學 y. Nat. n. er. io. al. 2000. 5. (. ) (. sit. (. Ch. engchi. 2003). (2012). 8. i n U. v. 2003).
(14) (2009) Network). (Back-propagation Artificial Neural (Discriminate Analysis). 810 (Factor. Analysis). 立立. 政 治 大 I. •‧ 國. ㈻㊫學 •‧. (2008). n. er. io. sit. y. Nat. al. Ch. engchi. 85% (2006). 9. i n U. v.
(15) (2005). 20. 立立. 政 治 大. •‧ 國. ㈻㊫學. 98.44. n. al. er. io. sit. y. Nat (2011). 1998. •‧. 20. 2009 C h. engchi. i n U. v. 18%. 10. 23%.
(16) (2010). (2010). 28. 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學 y. Nat. (2009). n. er. io. al. sit. 2002. Ch. engchi. (2008) Panel Data. 11. i n U. v.
(17) (2003). ㈻㊫學. •‧ 國. 立立. 政 治 大. Berger and Udell(2006). •‧. n. er. io. sit. y. Nat. al. Ch. engchi. 12. i n U. v.
(18) Berger and Udell(2006) transactions lending relationship banking. hard. quantitative data financial statement lending lending. asset-based. factoring. credit scoring. soft quantitative data. 1.. 立立. 3.. n. al. er. io. sit. y. Nat. 4.. •‧. •‧ 國. ㈻㊫學. 2.. 政 治 大. Ch. Boot(2000). engchi. i n U. v. relationship. banking. 1. 2. 1.. 2. 13.
(19) 1.. soft budget. constraint 2. hold-up problem. Bass et al.(2006). 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. n. er. io. sit. y. Nat. al. Ch. engchi. Berger et al.(1998). 14. i n U. v.
(20) Berger et al.(2001). Berger et al.(2001). 1993~1998. 政 治 大. 立立. •‧ 國. ㈻㊫學 •‧. Young(1999). n. er. io. sit. y. Nat. al. Ch. Jayaratne and Wolken(1993). engchi 1993. Mishkin(1999). 15. i n U. v.
(21) Strahan and Weston(1998). 1993~1996 3 3. ㈻㊫學. •‧ 國. 立立. 政 治 大. Overdue Loan Ratio. •‧. n. er. io. sit. y. Nat. al. 3%. Ch. engchi. ( ). 1.. 2.. Pact Due Loans. Doubtful Loans. ( ) 16. i n U. v.
(22) 1. 2. (1) (2) (3) (4) (5) (6) ( ). 立立. (4) 政 治 大. (1). sit. io. n. al. er. 2.. y. Nat. (2). •‧. •‧ 國. ㈻㊫學. 1.. (. ). Ch. engchi. 1.. 2.. 17. i n U. v.
(23) 3.. 4. (. ). 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. (2000). n. al. er. io. sit. y. Nat. 0.10. Ch. engchi. i n U. v. (2001) 34. 18. 1992. 1999.
(24) (2002) 2001. 1998. 9. (2005). 立立. 政 治 大. ㈻㊫學 •‧. •‧ 國. y. Nat. (2005). io. 2007. n. al. 2005. 1. Ch. engchi. i n U. v. 8. 2004 2.46%. sit. -. er. 2000. 33. 59% 2.87. (2007) 19. 2005. 88%.
(25) 11. (2001). 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. n. al. er. io. sit. y. Nat (2006). Ch. engchi. 1.. 2.. 3.. 20. i n U. v.
(26) 4.. 5.. (Panel 政 治 大 28. (2010). y. ROA. n. al. er. sit. ROA. Ch. n U engchi ROE. ROE ROE (2006) -. ROA. •‧. ROA. io. ROE. ROA ROE. Nat. ROA. 立立. ㈻㊫學. •‧ 國. Regression Model, PSTR). Smooth Transition. 49. 21. ROE. iv. ROE.
(27) Laurin and Majnoni (2003). (2006). (Basel Capital Accord). 立立. —. (Tier II Capital) 政 治 大. •‧ 國. ㈻㊫學. io. n. al. sit. 94. er. 2.. y. Nat. 1.. •‧. (2001). i n 94 7 C h 3. engchi U. Gardner(1984). (2001). La Porta. 22. (1999). v. 1.
(28) (2000). 27. 1997. 1999. 1.. 2.. 4.. 立立. (2002). •‧. •‧ 國. ㈻㊫學. 30. 政 治 大. n. er. io. sit. y. Nat. al. Crane(1976). Park(1995). 1974. 1985. Ch. engchi. 1992. (failure probability). 23. v i n U1976. 3..
(29) Park and Peristiani(1998) time-consist risk profile. 1986. 1990. ROA. 政 治 大. 立立. •‧. •‧ 國. ㈻㊫學. OECD. 1990. n. al. er. io. sit. y. Nat. Alsi and Huizinga (1999) 1997. ROE. Ch. n U engchi. 24. iv. CAMEL.
(30) 100. 1. 101. 9. 立立. ). 政 治( 大. •‧ 國 (. ). •‧. n. al. er. io. sit. y. Nat. (. ). ㈻㊫學. 50%(. Ch. engchi. ). 25. i n U. v. (. ).
(31) H1 H1-1 H1-2 H1-3 H1-4. 政 治 大. 立立. H2. H4 H5. •‧. •‧ 國. ㈻㊫學. H3. n. er. io. sit. y. Nat. al. Ch. engchi. T. ( ). i n U. v. T. T 2 1. 2 2. T. 1. 26. ,. 2 2. 2 1.
(32) u1. H 0 : u1 u 2. d0. H1 : u1 u 2. d0. u2. 1. 2. 2.. (2). 2 1. =. 2 2. C 2 2. n1. t |t. C. t (n1. t |t. n2. 政( sn ns治 ) 大 v 2 2. 1. 2. •‧ 國. s2 ( 1 )2 n1 n1 1. t. 2. s22 2 ) n2 n2 1. (. 2. y x1 x2 d 0 , s 2p 1 1 sp n1 n2. al. (n1 1) s12 (n2 1) s22 n1 n2 2. n. (2). 2 1. x1. 2 2. t. x1. Ch x2. 2 1. s n1. engchi. d0. 2 2. s n2. x2. 1. •‧. =. 2 2. io. (1). 2 1. 2 1. s22. Nat. 3.. 2. ㈻㊫學. 1. 2. t (v ). 1. 立立 s12. n2. sit. 2 1. er. (1). i n U. v. 2. 4. t C ( ). T. 27. H0.
(33) 1.. u1. H 0 : u1 u 2. d0. H1 : u1 u 2. d0. u2. 1. 2. 2. t |t. t (n 1) or t. t (n 1). 2. 2. 政 治 大. Nat. io. al. n. s. xi. i 1. ( xi. yi ). n (d i. d )2. n 1. Ch. yi. 1. i 1. n n. 2 d. n. di. •‧. n i 1. d. d d0 sd / n. t. ㈻㊫學. •‧ 國. 立立. e n g2 c h i. y. 3.. n. sit. 1. 2. er. C. i n U. v. 4. t C. Cluster Analysis. 1.. (. 2007). 28. H0.
(34) Homogeneity. Heterogeneity. 2.. 政 治 大. 立立. •‧. •‧ 國. ㈻㊫學. 3.. n. er. io. sit. y. Nat. al. Ch. Manhanttan Distance. engchi. v i n Euclidean Distance U. Chebychev Distance Chi-square. Measure. Phi. Phi-square Measure. 4.. Hierarchical Method. Non-Hierarchical Method. 29.
(35) (1) (2) (3) (3) K-means. 立立. 政 治 大 Kohonen Network Two Step Two Step Cluster. •‧ 國. •‧. n. er. io. sit. y. Nat. al. Ch. engchi. i n U. v. K. F. 30. (2). Clementine 12.0. ㈻㊫學. 5.. (4). F.
(36) 1. 2. 1. 1. 2. ,. 2. ,. 1. ,. 2. ,. ,. H0. k. k. , Xk. N. 1. ,. 2. N. 2. ,. 2. 立立 X. X .i.. X ij. i 1 j 1. 政 治 大 i 1,2, , k. ni. 1 ni. ij. j 1. ㈻㊫學. 3-1. X kn1. X 11. X1. •‧. •‧ 國. X 1.. io. sit. y. Nat. n. al X Ch. er. X ... ni. Xk. SST k. SST. ni. engchi. = SSB + SSW. X ij. X. 2. i 1 j 1 k. SSW. ni. X ij. Xi. 2. i 1 j 1. SSB. k. ni X i. i n U X knk. k1. X. 2. i 1. 31. N. n1. 3-1. k. k. H0. H1. X1, X 2 ,. 1 n. ,. k. k. ,. ,. v. X k. X ... k. nk. 2. ,. n.
(37) F F. MSB MSW. SSB k 1. MSB. SSW n k. MSW. 3-2 3-2 F k. SSB. ni X i. 2. X. SSB k 1. MSB. k-1. i 1. k. SSW. ni. X ij. Xi. X ij. X. 2. SSW n k. MSW. n-k. i 1 j 1 k. SST. ni. 立立. i 1 j 1. ,. ,. k. 政 治 n-1 大 2. H0. 3-3. al F Ch. n. k. 2. sit. k. ni X i. 2. X. i 1 k ni. H1. 1. ,. 2. ,. ,. k. /(k 1). i n U. e nXg cXh i /(n 2. ij. i 1 j 1. 32. i. er. io. 1. y. Nat. H0. 3-3. •‧. 2. •‧ 國. ,. MSB MSW. ㈻㊫學. 1. F. k). v. F. F k 1 n k.
(38) -. 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. 4-1. n. er. io. sit. y. Nat. al. Ch. engchi. 4-1. i n U. ( 33. v. ).
(39) 4-1 (100) 721. 2. 8,809. (101). 6.6% 100. 7,361 12. 12. 7,012. 101. 5.0% 101. 9. 4.7%. 101. 9. 立立. 252. 政 治 大 (. ). ㈻㊫學. 4-2. •‧. n. er. io. sit. y. Nat. al. Ch. 9 100. •‧ 國. 3. 12. engchi. i n U. v. 4-2. 4-2. 101 4,992 34. 1. 9.
(40) 4,780. 3,528. 2,694 (. 4-1. 4-1. ). -. 57,843. 98,850 64,151 50,866 45,256 67,906. n. al. er. io. sit. Nat. 318,225 251,431 202,474 174,856 206,312. 47,635 96,694. •‧. 85,866 78,779 33,353 41,653 53,392 76,183. 2,586 2,739. ㈻㊫學. •‧ 國. 立立. 58,509 治 58,050 政 大. y. 150,277 198,153 290,446. Ch. engchi. i n U. 4-3. 35. v. 5,044 3,374 1,687 2,199 1,768 2,392.
(41) 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. n. er. io. sit. y. Nat. al. Ch. engchi. i n U. v. 4-3. 4-3. 101. 1. 9. 1,711 1,264. 1,101. 11. (. 36. 4-2. ).
(42) 4-2. -. n. Ch. engchi. 37. 288 53 78 8 1. 10. y. sit. er. io. al. 政 治 大. 13,134 9,743 7,849 916 19,189 1,236 196 1,447 8,323 10,533 781 2,159 16,858 8,441 2,224 1,369 3,495 624 10,844 6,952 29,468 3,248 3,057 5,610 3,244 1,142 4,739 10,202 252. •‧. ). Nat. (. •‧ 國. 立立. 5,969 5,132 9,720 820 1,429 2,269 47 1,713 68,033 1,023 1,046 2,797 21,491 4,650 2,370 9,666 2,805 1,034 10,628 8,685 23,010 3,319 4,102 6,016 548 684 8,223 9,506 125. ㈻㊫學. 106,977 66,718 92,470 4,021 19,434 3,878 2,977 17,721 30,924 8,682 4,979 23,511 50,351 29,533 16,687 3,594 22,537 9,645 56,910 79,689 118,371 7,816 14,634 46,610 4,439 12,595 37,450 54,447 782. i n U. v. 126 5 12 10 296 420 259 3 119. 474 144 13.
(43) F H. 立立. F. 政 治 大 t. •‧ 國. 4-3. ㈻㊫學. F. H0. F. •‧. 4-3. y. 6.047. n. Ch. engchi. sit. io. al. p. .019. er. Nat. F. i n U. v. 4-3 6.047 (p. = 0.019 < 0.05). t 4-4. 38.
(44) 4-4. t p. 193,318.7. 9.096. 8.208. .000. 4-4. t. 9.096 (p. < 0.05). 立立. (. 政 治 大. •‧. •‧ 國. ㈻㊫學. F. n. al. er. io. sit. y. Nat H F F. ). Ch. e n g c hti. i n U. v. 4-5. 4-5. F F. p 3.277. 39. .079. H0.
(45) 4-5 3.277 (p. = 0.079 > 0.05). t 4-6. 4-6. t p. 53,219.4. 9.361 (p. 政 治 大. < 0.05). t. (. ). •‧. n. er. io. sit. y. Nat. al. Ch. engchi F. F. t 4-7. 40. i n U. v. H0. H. F. .000. ㈻㊫學. 4-6. 35. •‧ 國. 立立. 9.361.
(46) 4-7. F F. p. 18.574. .000. 4-7 < 0.05). 立立. 政 治 大 4-8. n 4-6. .000. 7.388. sit. io. al. 7.962. p. er. Nat. 59,932.4. t. •‧. •‧ 國. ㈻㊫學. 4-8. 7.962 (p. t. y. 18.574 (p. Ch. engchi. < 0.05). i n U. v. t (. 41. ).
(47) F. H0. H F. t. F. 4-9. 4-9. F F. 政 治13.345大. 立立. •‧ 國. •‧. Nat. 4-10. n. er. io. al. Ch. engchi. 2,594.7. 4-6 t (. 7.962 (p. i n U. 6.752. < 0.05). ). 42. t. y. < 0.05). sit. 13.345 (p. 4-10. .001. ㈻㊫學. 4-7. p. v. t p. 7.125. .000.
(48) 4-11. 政 治 大. 立立. F 2.160E11. 3. 7.199E10. 2.881E10. 28. 1.029E9. 2.448E11. 31. y. sit. al. n <. 69.955. er. io (p. p. •‧. Nat 4-11. ㈻㊫學. •‧ 國. 4-11. Ch. engchi. i n U. v. F. 0.05). 4-12. 43. .000.
(49) 4-12 (J). (I-J) 16039.391. .000. 157845.627. *. 16039.391. .000. 221298.002. *. 16039.391. .000. -163324.386. *. 16039.391. .000. -5478.759. 16039.391. .986. 57973.616. *. 16039.391. .006. -157845.627. *. 16039.391. .000. 5478.759. 16039.391. .986. 63452.375*. 16039.391. .003. -221298.002. *. 16039.391. .000. -57973.616 政 治-63452.375 大 163324.386. *. 16039.391. .006. *. 16039.391. .003. *. 16039.391. .000. 157845.627. *. 16039.391. .000. 221298.002. *. -163324.386. *. •‧ 國. 16039.391. .000. -5478.759. 16039.391. .990. 57973.616. *. 16039.391. .012. -157845.627. *. 16039.391. .000. 5478.759. 16039.391. .990. 16039.391. .005. 16039.391. .000. 63452.375. *. -221298.002. *. n. er. io. Bonferroni. .000. •‧. Nat. al. 16039.391. y. 立立. ㈻㊫學. 163324.386*. Tukey HSD. Scheffe. p. sit. (I). i n Ch -63452.375 i U e n g c h163324.386 -57973.616. 44. *. v. 16039.391. .012. *. 16039.391. .005. *. 16039.391. .000. 157845.627. *. 16039.391. .000. 221298.002. *. 16039.391. .000. -163324.386. *. 16039.391. .000. -5478.759. 16039.391. 1.000. 57973.616. *. 16039.391. .007. -157845.627. *. 16039.391. .000. 5478.759. 16039.391. 1.000. 63452.375. *. 16039.391. .003. -221298.002. *. 16039.391. .000. -57973.616. *. 16039.391. .007. -63452.375. *. 16039.391. .003.
(50) 4-12 Scheffe. Tukey. Bonferroni 163,324.386*( p. = 0.05). 221,298.002* ( p. 立立. < = 0.05) 157,845.627*( p. < = 0.05). 政 治 大. •‧. •‧ 國. ㈻㊫學. 4-13. n. al. 3. v i4.977E9 n U. 3.850E10. 104. 3.702E8. 5.343E10. 107. 1.493E10. Ch. engchi. 4-13 <. F. p. er. io. sit. y. Nat. 4-13. 13.444(p. <. 13.444. F 0.05). 4-14 45. .000.
(51) 4-14 (J). (I-J). p. 23225.097*. 4970.743. .000. 24459.139. *. 4927.753. .000. 30574.105. *. 5701.727. .000. -23225.097. *. 4970.743. .000. 1234.041. 5010.625. .995. 7349.008. 5773.500. .582. *. 4927.753. .000. -1234.041. 5010.625. .995. 6114.967. 5736.529. .711. *. 5701.727. .000. -7349.008 政 治-6114.967 大 23225.097. 5773.500. .582. 5736.529 4970.743. .711 .000. 24459.139* 30574.105* -23225.097* 1234.041 7349.008 -24459.139* -1234.041 6114.967 -30574.105* -7349.008 -6114.967. 4927.753 5701.727 4970.743 5010.625 5773.500 4927.753 5010.625 5736.529 5701.727 5773.500 5736.529. .000 .000 .000 .996 .656 .000 .996 .769 .000 .656 .769. 24459.139 30574.105*. 4970.743 4927.753 5701.727. .000 .000 .000. -23225.097*. 4970.743. .000. 1234.041 7349.008 -24459.139* -1234.041 6114.967. 5010.625 5773.500 4927.753 5010.625 5736.529. 1.000 1.000 .000 1.000 1.000. -30574.105* -7349.008. 5701.727 5773.500. .000 1.000. -6114.967. 5736.529. 1.000. Tukey HSD. -24459.139. -30574.105. •‧ 國. •‧. n. er. io. Bonferroni. ㈻㊫學. Nat. al. y. 立立. Scheffe. *. sit. (I). Ch. i n U. i e n g c h23225.097. 46. * *. v.
(52) 4-14 Scheffe. Tukey. Bonferroni 23,225.097* ( p. = 0.05). 30,574.105* ( p. 立立. < = 0.05) 24,459.139* ( p. <. < = 0.05). 政 治 大. •‧ 國. ㈻㊫學. 4-15. •‧. 4-15. .002. 32. .002. 35. .011. 3. .004. .099. 32. .003. .110. 35. n. 3. engchi. .000. er. io. Ch. sit. y. Nat. al. .000. i n U. v. F. p .696. .561. 1.226. .316. = 0.316 <. =. .000. 4-15 F. 0.696(p. = 0.561 > 47. = 0.05). 1.226(p.
(53) 0.05). (cluster). 立立. •‧. •‧ 國. ㈻㊫學. io. sit. y. Nat. n. al. er. ( ) Two-Step. 治 K-means (Two-Step) 政 大. Ch. engchi. 4-4 48. i n U. v. 4-4.
(54) 4-4. Data_Mining_2003 Type. (Two. -Step). 2 Table. 4-5. 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. n. er. io. sit. y. Nat. al. Ch. engchi. i n U. v. 4-5 4-5 4. 2 4. 49. 3.
(55) 4-6. 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. n. er. io. sit. y. Nat. al. 4-6. Ch. engchi. 4-6 4. 0.96. 50. i n U. v.
(56) 4-16. 4-16 Cluster-1. 4-16. 立立. Cluster-2. 政 治 大. •‧. •‧ 國. ㈻㊫學 sit. y. Nat. ( ) K-Means. n. al. er. io. K-Means. Ch. engchi. 4-7. 51. i n U. v.
(57) 4-7 4-7. K-Means. K-Means. Type. K-Means. ㈻㊫學. •‧ 國. 立立. 政 治 大Data Mining_2003 K-Means K-Means. Table. •‧. n. er. io. sit. y. Nat. al. Ch. engchi. 52. i n U. v. 4-8.
(58) 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學 K-Means. n. al. 4. sit. K-Means. Ch 4 engchi. K-Means. er. io 4-8. y. Nat. 4-8. i n U. v. 2. 4-9. 53.
(59) 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學 sit. n. al. er. io 4-9. y. Nat 4-9. Ch. i n U. v. K-Means. engchi. K-Means 3. 0.96. 54.
(60) 4-17 4-17. K-Means. Cluster-1. Cluster-2. 4-17. K-Means. 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. n. al. er. io. sit. y. Nat. ( ) Two-Step. Ch. engchi. 4-10. 55. i n U. v.
(61) 4-10. 立立. Data_Mining_2003. ㈻㊫學. •‧ 國. 4-10. 政 治 大 Type. y. sit. io. al. n. 4-11. er. Table. 3. Nat. 2. •‧. (Two-Step). Ch. engchi. 56. i n U. v.
(62) 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. n. er. io. sit. y. Nat. al. Ch. engchi. i n U. v. 4-11 4-11 3. 7. 57. 13.
(63) 5. 4-14. 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. n. er. io. sit. y. Nat. al. Ch. engchi. i n U. v. 4-12. 4-12 4. 58. 1.
(64) 4-18. 4-18 Cluster-1. Cluster-2. 立立. Cluster-3. ( ) 政 治 大. •‧. •‧ 國. ㈻㊫學. n. er. io. sit. y. Nat. al. Ch. engchi. 59. i n U. v.
(65) 4-18. (. 立立. ( ) K-Means. ). 政 治 大. •‧ 國. ㈻㊫學. K-Means. •‧. n. er. io. sit. y. Nat. al. Ch. engchi. 4-13. i n U. v. K-Means. 60. 4-13.
(66) 4-13. K-Means. Data Mining_2003 Type. K-Means K-Means. Table 4-14. 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. n. er. io. sit. y. Nat. al. 4-14. Ch. engchi. K-Means 61. i n U. v.
(67) 4-14. K-Means. 5. 4. 5. 10. 4 K-Means 4-15. 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. n. er. io. sit. y. Nat. al. Ch. engchi. i n U. v. 4-15. K-Means. 4-15. K-Means 5 0.99 62.
(68) 4-19. 立立. 政 治 大. Cluster-1. Cluster-2. Cluster-3. (. •‧. •‧ 國. K-Means. ㈻㊫學. 4-19. Nat. n. al. er. io. sit. y. ). Ch. engchi Cluster-4. 63. i n U. v.
(69) 4-19. ). 立立. 政 治 大. ㈻㊫學 •‧. •‧ 國 io. sit. y. Nat. n. al. er. (. K-Means. Ch. engchi. 64. i n U. v.
(70) (. 立立. (. ) 政 治 大 ). •‧. •‧ 國. ㈻㊫學. n. er. io. sit. y. Nat. al. Ch. engchi. 65. i n U. v.
(71) 立立. K-Means. 政 治 大. •‧. •‧ 國. ㈻㊫學. n. er. io. sit. y. Nat. al. Ch. engchi. 66. i n U. v.
(72) 立立. 政 治 大. •‧. •‧ 國. ㈻㊫學. n. er. io. sit. y. Nat. al. Ch. engchi. 67. i n U. v.
(73) 1.. 2006. 2.. 2005. 3.. 2006. 5.. 2005. 6.. 2011. 7.. 2008. 立立. •‧. •‧ 國. 2010. 政 治 大. ㈻㊫學. 4.. -. n. er. io. sit. y. Nat. 8.. al. 2006. Ch. engchi. 49. i n U. -. 1-23. 9.. 2002. 10.. 2010. 11.. 2007. 12.. 2009. —. SPSS. 68. v.
(74) 13.. 1996. 14.. 2002. —. 15.. 2001 2. 16.. 2011. 17.. 2008. 2009. 20.. 2012. •‧. •‧ 國. 19.. 立立. 政 治 大. ㈻㊫學. 2000. n. al. er. io. sit. y. Nat. 21.. 69-89. 300. ( ) 18.. 3. 2001 7. 22.. 2005. 23.. 2007. 24.. 2003. 25.. 2008. 3. Ch. engchi. i n U. v. 165-180. -. 69.
(75) 26.. 2001 2001 A1-1~A1-40. 27.. 2001. 28.. 2010. 1.. 政 治 大 Alsi, D. and Huizinga, H., 1999., " Market discipline and financial safety net 立立 design ", Policy Research Working Paper, No. 2183.. •‧ 國. ㈻㊫學. 2.. Baker,L., Birnbaum,H., Geppert,J., Mishol,D., and Moyneur E.,2003.The. •‧. Relationship between Technology Availability and Health Care Spending.. io. y. sit. Bass, T. and M. Schrooten, 2006, “Relationship Banking and SMEs: A. er. 3.. Nat. Health Affairs 5, 537-551.. Theoretical Analysis”, Small Business Economics, 27, 127-137.. al. n. v i n Berger A.N. and G.F. UdellC2006, “A More Complete h e n g c h i U Conceptual Framework. 4.. for SME Finance”, World Bank, 13-121. 5.. Berger A.N. and L.F. Klapper and G.F. Udell, 2001, “The ability of banks to lend to informatioanlly opaque small businesses”, Journal of Banking & Finance, 25, 2127-2167.. 6.. Berger A.N., A. Saunders , J.M. Scalise and G.F. Udell 1998,“The Effects of Bank Mergers and Acquisitions on Small Business Lending,” ,Journal of Financial Economics, 50(2),187-229... 7.. Boot A.W.A. 2000, “Relationship Banking: What Do We Know? “, Journal of 70.
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