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題名:銀行在臺灣中小企業主財富創造與傳承所扮演之社會意涵
作者:劉鎮評
作者(外文):Liou, Jeng Ping
校院名稱:東海大學
系所名稱:社會學系
指導教授:陳介玄
學位類別:博士
出版日期:2011
主題關鍵詞:中小企業財富創造財富傳承金融專業金融資本金融與社會small/medium enterprisewealth creationinheritance of wealthfinancial specialtyfinancial capitalfinance and society
原始連結:連回原系統網址new window
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台灣(光復)1945年至1970年代為農業社會,至1980年代逐漸轉型為工業社會,1990年代之後更朝資訊、服務產業發展,金融業隨著外在環境、政治、經濟、教育、文化等影響而產生變化,使金融與社會之間關係緊密結合。銀行以金融專業對企業輔導和投資之建議,運用中小企業信保基金或使用信託等工具,協助客戶順利取得金融資本。不論大企業、中小企業向銀行取得金融資本後,均要做資源有效的配置,將取之於社會存款轉換為企業之金融資本,協助企業擴大再生產,嘉惠社會大眾,進而創造銀行、企業與社會繁榮等多贏局面。
當中小企業主辛苦賺錢後,要配合金融專業與金融資本,運用新常態變局的投資思維,提高非工作收入占所得的比例。若無做財富規劃,只把錢儲存在銀行,不論是新台幣存款或是外幣存款,可能因通貨膨脹而吃掉利息收入所產生的購買力。若投資在黃金,則因它沒有利息,除非投資在低點或是在通膨時期,黃金才可保值功能。投資在股票、共同基金或是期貨與選擇權,則可能因大環境激烈變化隨著市場波動,若沒有做好避險將可造成嚴重損失。在投資房地產方面,則受一個國家法規制度限制,無法跨越國界,常受法令變革或改朝換代,而產生不可抗拒的風險。在沒有考慮政治風險下,投資房地產必須投資在大都會區之核心地段,才會有增值空間,若投資在邊陲地段則可能造成損失。建議企業主將本業獲利之部份資金位移至國際平台,並運用私人銀行平台。整合優質的國際債券與人壽保險,搭配國際金融資本,並規劃信託傳承架構。如此分散場域風險,並運用複利效果累積財富,輔以信託規劃,將所累積的財富能富過三代,世世代代永遠的傳承下去。經由本文的分析,銀行透過金融專業與金融資本,將可協助中小企業創造財富以及進行財富傳承。
From 1945 ( the year of Taiwan's retrocession ) to 1970, Taiwan belonged to agricultural society, which gradually transformed into industrial society in 1980s; moreover, after 1990s, Taiwan has developed toward information industry and service industry; financial industry has changed with the influences of external environment, politics, economics, education, and culture; therefore, finance and the society have close relationship. A bank gives guidance and assistance to enterprises and offers an advice for investment with its financial specialty, and utilizes small and medium enterprise credit guarantee fund or uses the tools such as trust to assist the clients to acquire financial capital smoothly. Whether it is big enterprise or small/medium enterprise, they all need effective allocation of resources after obtaining financial capital from the bank, and transform the deposits acquired from the society into the enterprise's financial capital to help the enterprise to expand and have reproduction and benefit the people in the society, and thus create the multiple-win state among bank, enterprise, and the society to reach prosperity .
After the business owners of small and medium enterprises work hard to earn money, they must cooperate with financial specialty and financial capital, make use of the thought of investment reacting to new normal conditions and critical situation, and heighten the non-work income's proportion in the income. If there is no financial planning,and just depositing the money in the bank, it's possible that the inflation would consume the purchasing power produced from interest income whether it is NTD deposit or foreign currency deposit. If making an investment in gold, because it has no interest, it would not have the function of maintaining the value except investing at a low point or during the period of inflation. If making an investment in stocks, common fund, or futures options, maybe because of the dramatic variation/ change of the big environment and market fluctuation, it may cause serious loss if hedge is not doing well. At the part of investment in real estate: it is restricted by the laws and regulations of a nation, can not cross the national boundaries, and is often influenced by reformation of laws and decrees or change of dynasty or regime, and thus an irresistible risk is produced. If not taking political risk into account, to invest in real estate, one must invest in a core section of metropolitan area so as to have room for price appreciation; if a person invests in the section at the border area, it may cause loss. The researcher suggested that a business owner should shift partial capital reaped from his or her own industry to the international platform, utilize private bank platform, integrate excellent international bonds and life insurance, cooperate with international financial capital, and plan the framework of inheritance of trust. to scatter the risk of field in this way , and make use of the effect of compound interest to accumulate the wealth with the aid of trust planning, the accumulated wealth can be passed on for more than three generations, and be inherited generation after generation . The conclusion of the analysis of the dissertation was that via financial specialty and financial capital, the bank can assist the small and medium enterprises to create the wealth and do the inheritance of wealth .
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