非銀行體系之小額融資市場需求之探討： 區塊鏈觀念應用於標會之初步研究

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题名:	非銀行體系之小額融資市場需求之探討：區塊鏈觀念應用於標會之初步研究
作者:	劉映君;Liu, Ying-Jyun
贡献者:	資訊管理學系
关键词:	信用創造;非銀行體系之小額融資;區塊鏈;標會
日期:	2017-07-04
上传时间:	2017-10-27 14:38:11 (UTC+8)
出版者:	國立中央大學
摘要:	台灣近幾年都呈現低薪的狀態，2015年台灣平均月薪1,520美元，低於香港、日本以及韓國，並且主計處公告的「2016年平均每月實質總薪資」不及2000年的水準，由此推測台灣窮忙族族群會越來越多，造成小額融資需求上升。目前融資常見方式為和銀行（第三方）借貸，因此「信用」是由第三方創造，但除第三方外，許多人因為無抵押品等原因無法和銀行融資而轉為跟親友借貸，與親友借貸的信用創造是建立在人情社會的信任基礎上，因此人情社會的信用基礎也是信用創造的一環。因此為幫助台灣窮忙族解決小額融資困境，會利用區塊鏈無第三方之特性，並結合台灣常用的小額融資方法－標會，讓第三方從主導變為輔助，同時把人情社會加在一起共同創造信任，以建立更嚴謹也更適用於窮忙族的小額融資服務。本研究會利用次級資料研究法來探討非銀行體系之小額融資市場需求，再藉由系統設計與研究法提出如何將需求的解決方案建立在區塊鏈上。 ;Nowadays, average salary in Taiwan stays low. In 2015, the average Taiwanese monthly salary is $1,520 USD which is lower than Hong Kong, Japan, and South Korea. In addition, “ the average monthly gross remuneration in 2016 “ is less than the average in 2000 which was announced by Directorate General of Budget, Accounting and Statistics, Executive Yuan, R.O.C. From the above phenomenon, we can speculate that the population of working poor in Taiwan will become more and more, resulting in increasing demand for microfinance. The common way of financing is granting a loan from the bank (third party). Therefore, “credit” is created by a third party. Except for granting a loan from third party, lots of people borrow money from friends because of the lack of collateral or other reasons. Credit creation beyond friends is based on the trust of human society, so the trust of human society is also a part of credit creation. In order to solve the plight of microfinance of Taiwanese working poor, we use blockchain, which doesn’t involve in third party, and combine a familiar microfinance way in Taiwan - Rotating Savings and Credit Association (ROSCA), changing the position of third party from main to auxiliary. Furthermore, we add human society simultaneously to create trust, establishing a more rigorous and more applicable microfinance services for working poor. This research will use the Secondary Research method to explore the demands of off-banking microfinance, and use Systems Analysis and Design method to make suggestions how to build solutions on the blockchain.
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