http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/31 2026-09-06T11:52:22Z http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/102404 標題: 高資產家族企業之私人銀行開戶決策研究; A Study on Private Banking Account Opening Decisions among High-Net-Worth Family Businesses 作者: 林冠秀; Kuan-Hsiu Lin 摘要: 隨著臺灣高資產家族企業迎來大規模世代交替浪潮，如何將財富傳承規劃與私人銀行專業服務有效銜接，已成為金融機構與家族決策者共同面臨的核心挑戰。本研究以臺灣高資產家族為研究對象，透過立意抽樣與滾雪球抽樣蒐集93份有效問卷，運用多階段統計分析方法，建構高資產家族財富管理服務採納之多變量決策模型，並系統性回應三項核心研究問題。 研究問題一旨在探討不同背景特徵之高資產家族，其傳承規劃現況是否存在顯著差異。本研究採用Fisher精確檢定搭配Benjamini-Hochberg多重比較校正，結果顯示，「公司經營世代」、「資產配置結構」與「企業營收規模」三項背景變數，對外部治理服務需求、傳承工具選擇及股權持有方式均具有統計顯著關聯。其中，第一代創辦人對家族治理外部服務之採用比例顯著高於後續世代（53.2% vs. 16.1%），顯示第一代經營者具有「制度建構者」角色的主動性；持有境外資產之家族採用架構型傳承工具的比例高達82.4%；營收規模達新臺幣1億元以上之企業，在控股架構導入比例上亦顯著高於規模較小之家族（31.6% vs. 2.8%）。 研究問題二聚焦於私人銀行開戶決策之核心影響因素。本研究採用Lasso正則化進行變數精煉，繼以標準邏輯斯迴歸進行推論，識別出三項具獨立解釋效果之核心因素：境外資產配置（OR = 3.155，明顯顯著）、是否引入專業經理人（OR = 0.284，負向影響）、以及製造業產業背景（OR = 2.481，邊際顯著）。研究結果顯示，驅動私人銀行服務採納的核心動力並非資產總規模，而是資產結構的跨境複雜度與產業特性所帶來的整合管理需求。 在前兩項實證分析結果的基礎上，本研究進一步回應研究問題三，建構出一套整合性的決策模型。研究結果顯示，家族背景特徵並非直接決定高資產家族是否採納私人銀行服務，而是透過「傳承規劃制度成熟度」作為關鍵的中介機制，形成一條具有解釋力的決策路徑。具體而言，家族的經營世代、資產配置結構與企業規模等背景特徵，會影響其傳承規劃制度化程度，而制度成熟度的差異，進一步系統性地影響其對私人銀行服務的採納意願與行為。 此一整合模型的實務與政策意涵在於，私人銀行在服務策略設計上，不宜僅以客戶資產規模作為分群標準，而應進一步依據家族「傳承規劃制度成熟度」進行分層式服務設計。透過辨識不同制度發展階段的家族需求，金融機構可提供更具精準性的顧問服務與產品配置，從而提升服務精準度與客戶採納效率。然而，由於本研究樣本數量仍有限，相關構念之測量亦尚未建立完整量表，因此上述中介機制仍有待未來研究以更大樣本與更完整之量表設計加以驗證。 本研究之貢獻主要體現在方法論與實務兩個層面。方法論上，為因應小樣本研究情境，採用 Fisher 精確檢定進行統計推論，並提出混合式多選題變數轉換策略（Hybrid Approach），以提升變數建構與模型估計之穩健性。實務上，本研究提出以「資產複雜度分群」取代傳統「資產規模分群」之高資產客群辨識架構，並建議私人銀行將傳承顧問服務定位為業務切入之策略錨點，以於家族治理制度建立初期即建立長期信任關係。; As Taiwanese high-net-worth family enterprises enter a large-scale wave of generational transition, effectively integrating wealth succession planning with professional private banking services has become a core challenge faced by both financial institutions and family decision-makers. This study focuses on high-net-worth families in Taiwan and collected 93 valid questionnaires through purposive sampling and snowball sampling. Using a multi-stage statistical analysis approach, this research constructs a multivariate decision model for the adoption of wealth management services among high-net-worth families and systematically addresses three core research questions. Research Question 1 aims to investigate whether there are significant differences in the current status of succession planning among high-net-worth families with different background characteristics. This study employs Fisher’s exact test combined with Benjamini-Hochberg multiple comparison correction. The results indicate that three background variables - "generation of company management," "asset allocation structure," and "enterprise revenue scale" - have statistically significant associations with the demand for external governance services, choice of succession tools, and modes of equity holding. Specifically, first-generation founders exhibit a significantly higher adoption rate of external family governance services compared to subsequent generations (53.2% vs. 16.1%), reflecting the proactive role of first-generation operators as "institutional architects." Families holding offshore assets show a high proportion (82.4%) of using structured succession tools. Enterprises with revenue exceeding NT$100 million also have a significantly higher adoption rate of holding company structures compared to smaller-scale families (31.6% vs. 2.8%). Research Question 2 focuses on the core influencing factors in private bank account opening decisions. This study utilizes Lasso regularization for variable selection, followed by standard logistic regression for inference, identifying three core factors with independent explanatory power: offshore asset allocation (OR = 3.155, highly significant), introduction of professional managers (OR = 0.284, negative effect), and manufacturing industry background (OR = 2.481, marginally significant). The findings reveal that the primary drivers of private banking service adoption are not total asset size but rather the integrative management demands arising from the cross-border complexity of asset structures and industry characteristics. Based on the empirical findings from the first two analyses, this study further addresses the third research question by constructing an integrated decision model. The results reveal that family background characteristics do not directly determine whether high-net-worth families adopt private banking services. Instead, their influence operates through the maturity of succession planning institutions, which serves as a key mediating mechanism forming an explanatory decision pathway. Specifically, family generation, asset allocation structure, and firm size influence the degree of institutionalization in succession planning, and differences in institutional maturity subsequently and systematically affect the adoption of private banking services. The practical and policy implications of this integrated model suggest that private banks should not rely solely on asset size as the primary basis for client segmentation when designing service strategies. Instead, service design should further incorporate the maturity level of family succession planning institutions as a criterion for tiered service segmentation. By identifying the needs of families at different stages of institutional development, financial institutions can provide more precise advisory services and product configurations, thereby improving service effectiveness and client adoption efficiency. However, due to the limited sample size of this study and the absence of a fully developed measurement scale for the relevant constructs, the proposed mediating mechanism still requires further validation through larger samples and more comprehensive scale development in future research. The contributions of this study are reflected in both methodological and practical dimensions. Methodologically, to address the challenges of small-sample research, Fisher’s exact test was employed for statistical inference, and a hybrid approach for multiple-response variable transformation was proposed to enhance the robustness of variable construction and model estimation. Practically, this study proposes a new segmentation framework for high-net-worth clients by replacing traditional asset-size segmentation with asset-complexity segmentation. Furthermore, it suggests positioning succession advisory services as a strategic entry point for private banking business, enabling financial institutions to establish long-term trust relationships with families during the early stages of family governance institutionalization. 2026-01-01T00:00:00Z http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/47637 標題: 高相關性引用與相關而未被引專利之發掘─以書目耦合與共被引為依據; Manifesting Relevant Patent Citations and Relevant Un-cited Patents Using Bibliographic Coupling and Co-Citation 作者: Yi-Shan Sung; 宋宜珊 摘要: 專利引文分析是以專利間引用關係做為分析的基礎，其中包括專利重要性之量測、知識流及知識外溢現象之研究、技術演進之軌跡分析等等。然而，專利之間的引用關係卻存在疑慮，為了引用所有相關資訊，專利會引用和其相關性低之資料，更甚者，高度相關的專利資訊會因為缺乏時間或是競爭關係而沒有被註記為引用資料。本篇論文旨在利用專利間書目耦合 (Bibliographic coupling, BC) 及共被引 (Co-citation, CC) 之關係，區別引用之相關性以找出高相關性引用，以及發掘相關而未被引之專利。本研究提出引用時間延遲(Citation time lag) ，係指一被引專利被另一專利引用之時間差。分析發現高相關性引用之延遲時間一般來說較短，且引用延遲時間越短的高相關性引用其相關性更高，尤以BC所找出的高相關性引用表現此特性更明顯。相關性越高引用延遲時間越短之現象也發生在相關而未引的專利對上，且同樣BC較CC明顯，說明大部分由BC找出來之相關未引之關係是因為缺乏時間。此外，利用高相關性引用及相關而未引關係所建構之網路計算專利之被引次數更能反映專利之重要性。本論文以電動運輸工具技術(electric vehicle technology) 作為衡量研究方法可行性的研究個案。研究結果顯示，不論是用於發掘高相關性引用或相關而未引之關係，書目耦合確實能反映專利間引用之相關性，且比共被引方法有更佳之效果。; Patent citations are extensively used for measuring the importance of patents, regarded as the knowledge flow among countries and technology fields for analysis, and applied to mapping technological trajectories for studying the evolution of the technology. However, patent citation analysis is subject to some uncertainties. Many patents are cited only with slightly relevant because they are only related to one very specific technical aspect. Moreover, many patents which should have been cited are missed. This paper aims to identify the relevant citations and the relevant un-cited patents in order to present the more precise view in the citation relationships. Both of BC and CC methods are utilized to identify the relevant citations and the relevant un-cited patents. Besides, the occurrence of relevant citations and relevant un-cited patents are related to the citation time lag (CTL), which is the time necessary for the cited patent being cited by the citing patent. The results show that citations with shorter CTL are more possible to be relevant, and this phenomenon is more obvious by BC. It reveals that it takes time for any two patents to establish their CC relations. Some relevant information cannot be dug out by CC, and therefore BC is the better approach of the identification. 2010-01-01T00:00:00Z http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/17173 標題: 高層建築消防系統之可靠度與風險評估; Reliability and Risk Assessment of Fire Protection Systems in High-rise Buildings 作者: Yu-Tzu Hsu; 許育慈 摘要: In recent decades, with development of economy and architecture technology, high-rise, large-scale, and novel buildings in Taiwan continuously increase. Owing to high occupant density, complex function and difficult evacuation in high-rise buildings, fire may induce considerable casualties. The current prescriptive codes are not suitable for the fire safety design of these complex buildings. The recommended method is based on performance-based fire protection design. Fire risk assessment is the foundation of performance-based fire protection design, and appropriate performance-based fire protection design cannot be well implemented without reasonable fire risk assessment methods. Because of the complexity of fire dynamics, the uncertain incidence of fire accidences and the incompletion of current information and knowledge, fire risk assessment cannot be implemented only based on the deterministic rule. Therefore, based on the current fire risk assessment methods and probability models, this article presents a quantitative risk assessment framework for evaluating the expected risk to life in high-rise building fires. Fire risk is divided into two parts: probability and corresponding consequence of every fire scenario. The event tree technique is used to analyze probable fire scenarios with consideration of functioning or failure of fire protection systems. For the occupant evacuation time assessment, individual starting time, initial position and walking speed are characterized by some probability distributions. For the ASET assessment, uncertainties of fire load density and fire growth factor are considered. Consequences of a fire scenario can be evaluated by comparing probability distribution of individual evacuation time and that of ASET, which are obtained from Monte Carlo simulation technique. This fire risk assessment method is applied to a 30-story office building. The assessment results indicate that the fire risk to life safety under ignition on floors 2-10 is approximately 16 times larger than on floors 11-30, which is due to no sprinklers installed on floors 2-10. Moreover, reliability of mechanical smoke exhaust systems is the dominant factor to reduce the expected risk to life whereas reliability of automatic fire detection systems is the minor factor to reduce the expected risk to life. When mechanical smoke exhaust systems fail to operate, the expected risk to life would reach the maximum value. If occupants on floors 2-10 are well trained to use first-aid extinguishers to extinguish or control fire during the early stage of fire accidents, the expected risk to life would reach the minimum value. 2013-01-01T00:00:00Z http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/74823 標題: 高品質蔬果整合供應鏈之經濟模式; An Economic Model of an Integrated Supply Chain of Premium Produce 作者: Che-Wei Tsao; 曹哲維 摘要: 許多發展中國家的農產品供應鏈破碎且效率低下，由於農民承擔著非常大的風險，他們不穩定的利潤通常無法讓他們參與製造業中典型的生產力改善活動。低效率的行業環境是創新業務發展的沃土；近年來，出現了高品質產品的成功供應鏈示例，此為新型的商業模型，其中包括從農民到零售通路商的端到端整合。在本文中，我們首先使用7-11便利超商的高品質香蕉銷售以及都樂食品公司為案例，建構高品質產品的整合供應鏈模型。通過該模型，我們結合產業數據以及分析法，從整合者的角度探討形成這種整合供應鏈的條件和設計供應契約的邏輯。我們發現為什麼農民更關心契約數量而不是契約價格，以及整合者應如何規劃多個農場的總體供應，同時增加社會剩餘。; The supply chain of produce in many developing countries are fragmented and inefficient. With the producers carrying bearing high risks, their volatile profits usually do not afford them to engage in productivity improvement activities that are typical in the manufacturing industry. The inefficient industry environment is a fertile ground for innovative business development. In recent years, successful supply chain examples for premium produce, a new business model, have emerged which have end-to-end integration from farmers to retailing stores. In this article, we first use the 7-11 convenience store’s high-quality banana sales data and Dole Foods as a case to construct an integrated supply chain model for premium produce. Through this model, we combine industrial data and analytical method to explore the conditions of forming such integrated chains and logic of specifying the supply contract from the perspective of the integrator. We gain insights on why farmers are more concerned with contract quantity than on contract price and how the integrator should plan for a supply base of multiple small farms while increasing the social surplus. 2019-01-01T00:00:00Z