| 摘要(英) |
There are almost ten billions poor people all over the world. These people can’t achieve official financial services due to the lack credit history and official income records. For this reason the developing special finance institutes to provide poor people a reasonable way to borrow or lend money has become a very important issue. In this study we introduces one kind of these special finance institute—microfinance (Grameen Bank in Bangladesh is a represent ). Besides we discuss some empirical studies about microfinance, analyzes some indicators for measuring financial services, some methods for evaluating microfinance and its effect. Moreover, this thesis also introduces the effects of Da-Cheng city commercial bank in Mainland China to provide microfinance, the hardships which Da-Cheng city commercial bank met during developing microfinance and the history of Citizen bank to develop microfinance. The result showed that the these decisions not necessarily lead to increase income of households. In the other words, microfinance does not necessarily lead to alleviate poverty. Moreover we also mention that people can use residual value method to price microfinance (only applies to these companies with stable capital structure). Moreover, microfinance has features of high quality of assets and low beta. So, investors can reduce volatility of portfolio by holding stock of companies which provide microfinance. Further, Da-Cheng commercial bank and Citizen bank contribute a lot to alleviate poverty. Finally, we hope the Taiwan government can provide poor people formal methods to achieve financial services in order to create a broader way to improve the economy growth rate of Taiwan.
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| 參考文獻 |
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