營建業為國家經濟建設主要基礎，與國計民生關係密切，同時又牽連著相關產業之發展，素有「火車頭工業」之稱。在此所稱營建業包含建設公司，工程顧問公司，甲、乙、丙級與中小型營造廠。依據行政院主計處發布八十五年「臺灣地區產業關聯表」所示，營建業關聯係數歸屬於第四象限，其向前關聯係數低於平均值，向後關聯係數高於平均值，即營建業歸類為感應度低、影響度高之行業，顯示營建業其帶動相關產業之發展，有相當積極一面。又由八十九年國民所得資料得知，營建業國內生產毛額3,295億6,700萬元，占國內生產毛額之比重為3.41%，在國家經濟發展上扮演重要角色；即營造業每投入一元，可帶動相關產業之發展，而創造29.3元之國內生產毛額。根據營建署統計，八十九年底臺閩地區營造廠商1萬1,232家，總登記資本額3,197億元，平均每家登記資本額2,846萬元；又由資本額超過一億元之302家營造廠之資本額合計1,689億元已占營造廠總資本額之52.8%觀之，得知大部份營造廠商之經營規模不大。亦有相關文獻顯示，國內營造廠之組織型態大多為中小型或家族企業。一般認知營建業為高獲利的行業，然而隨著時空變遷以及高科技產業掛帥時代中，營建業經營不如過去容易。營建業主要業務來源為承攬公共工程及民間工程。在整體經濟環境持續低迷，廠商減緩或縮減投資規模情況下，房地產不景氣，民間業者推案量大幅減少，這可由營建署統計核發建築物建造執照總樓地板面積最近三年平均每年下降9%得知，迫使大型營造廠相繼調高承攬公共工程；然而競爭激烈，營建業者為獲取工程，低價搶標，導致工程品質差、工期落後，工程款無法如期取得，造成公司週轉失靈，時有所聞。本研究所所討論之範圍可大略分為兩部分說明，一為國內外營建產業，一為國內外金融機構。營建業包含建設公司、工程顧問業、營造廠商、各級分包商等，金融機構則包含金融控股公司、銀行、信用合作社、郵局、農漁會等。而資料蒐集部分包含國內外營建業與金融機構之概況，融資借貸機制等。此研究為一初步、概括性對整體營建產業融資之了解，因此資料將廣泛收集，再歸納出所需之樣本。 Infrastructure is one of the most important fundamentals of a country, connecting complex and momentous effects with all the industries. Taiwan, a highly developed and industrialized island, carries over 10 thousand construction and consulting engineering firms having a total of capitalization of over 300 billion dollars where most of the firms are small in terms of company size. By facing competition from foreign construction participants due to globalization, a cooperation mechanism is imperative to take place so as to assist those firms via the existing banking system. The purposes of this study are to: explore historical successful cases of cooperation mechanisms, anticipated being compared with existing ones, investigate financial structures in present firms of the consulting engineering industry in an attempt to enhance financial strength while confronting impacts by projects, and establish a cooperation mechanism that facilitates participants in the consulting engineering industry by sharing banking resources. The research is expected to insinuate suggestions as the basis of future legal acts, promoting the consulting engineering industry by use of financing and all other possible capital tools. 研究期間：9403 ~ 9411
