請用此 Handle URI 來引用此文件：
http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/80110完整後設資料紀錄
| DC 欄位 | 值 | 語言 |
|---|---|---|
| dc.contributor.advisor | 劉啟群(Chi-Chun Liu) | |
| dc.contributor.author | Dong-Rui Yang | en |
| dc.contributor.author | 楊東叡 | zh_TW |
| dc.date.accessioned | 2022-11-23T09:26:39Z | - |
| dc.date.available | 2023-12-31 | |
| dc.date.available | 2022-11-23T09:26:39Z | - |
| dc.date.copyright | 2021-08-10 | |
| dc.date.issued | 2021 | |
| dc.date.submitted | 2021-07-07 | |
| dc.identifier.citation | Accornero, M., Alessandri, P., Carpinelli, L., Sorrentino, A. M. (2017). Non-performing loans and the supply of bank credit. Bank of Italy Occasional Paper(374). Acharya, V. V., Schnabl, P., Suarez, G. (2013). Securitization without risk transfer. Journal of Financial Economics, 107(3), 515-536. Afanasyeva, E., Güntner, J. (2014). Lending standards, credit booms and monetary policy. IMFS Working Paper Series (No. 85). Aiyar, S., Calomiris, C. W., Wieladek, T. (2012). Does macro-pru leak? Evidence from a UK policy experiment. National Bureau of Economic Research (No. w17822). Allen, F., Carletti, E. (2006). Credit risk transfer and contagion. Journal of Monetary Economics, 53(1), 89-111. doi: 10.1016/j.jmoneco.2005.10.004 Altunbas, Y., Gambacorta, L., Marques-Ibanez, D. (2009). Securitisation and the bank lending channel. European Economic Review, 53(8), 996-1009. Ambrose, B. W., LaCour-Little, M., Sanders, A. B. (2005). Does regulatory capital arbitrage, reputation, or asymmetric information drive securitization? Journal of Financial Services Research, 28(1), 113-133. Aysun, U., Hepp, R. (2016). The determinants of global bank lending: Evidence from bilateral cross-country data. Journal of Banking Finance, 66, 35-52. doi: 10.1016/j.jbankfin.2015.11.020 Bakoush, M., Abouarab, R., Wolfe, S. (2019). Disentangling the impact of securitization on bank profitability. Research in International Business and Finance, 47, 519-537. Bassett, W. F., Chosak, M. B., Driscoll, J. C., Zakrajšek, E. (2014). Changes in bank lending standards and the macroeconomy. Journal of Monetary Economics, 62, 23-40. Bending, T., Berndt, M., Betz, F., Brutscher, P., Nelvin, O., Revoltella, D., Wolski, M. (2014). Unlocking lending in Europe. Regional Studies and Roundtables. Berger, A. N., Udell, G. F. (1994). Did risk-based capital allocate bank credit and cause a' credit crunch' in the United States? Journal of Money, Credit and Banking, 26(3), 585-628. Bernanke, B. S., Blinder , A. (1990). The federal funds rate and the channels of monetary transnission: National Bureau of Economic Research. Berrospide, J. M., Edge, R. M. (2010). The effects of bank capital on lending: What do we know, and what does it mean? CAMA Working Paper Series 26/2010, Available at SSRN: https://ssrn.com/abstract=1670506 or http://dx.doi.org/10.2139/ssrn.1670506. Bonaccorsi di Patti, E., Sette, E. (2016). Did the securitization market freeze affect bank lending during the financial crisis? Evidence from a credit register. Journal of Financial Intermediation, 25, 54-76. doi: 10.1016/j.jfi.2015.06.002 Bougheas, S. (2013). Pooling, tranching, and credit expansion. Oxford Economic Papers, 66(2), 557-579. doi: 10.1093/oep/gpt029 Bridges, J., Gregory, D., Nielsen, M., Pezzini, S., Radia, A., Spaltro, M. (2014). The impact of capital requirements on bank lending. Bank of England Working Paper No. 486, Available at SSRN: https://ssrn.com/abstract=2388773 or http://dx.doi.org/10.2139/ssrn.2388773. Calem, P., Covas, F., Wu, J. (2013). The impact of the 2007 liquidity shock on bank jumbo mortgage lending. Journal of Money, Credit and Banking, 45(s1), 59-91. Carbo-Valverde, S., Degryse, H., Rodríguez-Fernández, F. (2015). The impact of securitization on credit rationing: Empirical evidence. Journal of Financial Stability, 20, 36-50. doi: 10.1016/j.jfs.2015.06.004 Carlson, M., Shan, H., Warusawitharana, M. (2013). Capital ratios and bank lending: A matched bank approach. Journal of Financial Intermediation, 22(4), 663-687. doi: 10.1016/j.jfi.2013.06.003 Cebenoyan, A. S., Strahan, P. E. (2004). Risk management, capital structure and lending at banks. Journal of Banking Finance, 28(1), 19-43. doi: 10.1016/s0378-4266(02)00391-6 Chen, Z., Hung, W. Y., Li, D., Xing, L. (2017). The impact of bank merger growth on CEO compensation. Journal of Business Finance Accounting, 44(9-10), 1398-1442. Cole, R. A. (2012). How Did the Financial Crisis Affect Small Business Lending in the US? US Small Business Administration Research Study(399). Cole, R. A., Damm, J. (2020). How Did the Financial Crisis Affect Small‐Business Lending in the United States? Journal of Financial Research, 43(4), 767-820. doi: 10.1111/jfir.12225 Cornett, M. M., McNutt, J. J., Strahan, P. E., Tehranian, H. (2011). Liquidity risk management and credit supply in the financial crisis. Journal of Financial Economics, 101(2), 297-312. doi: 10.1016/j.jfineco.2011.03.001 Cremers, K. J. M., Huang, R., Sautner, Z. (2011). Internal Capital Markets and Corporate Politics in a Banking Group. The Review of Financial Studies, 24(2), 358-401. doi: 10.1093/rfs/hhq121 Cucinelli, D. (2016). Can speed kill? The cyclical effect of rapid credit growth: evidence from bank lending behavior in Italy. The Journal of Risk Finance, 17(5), 562-584. doi: 10.1108/jrf-03-2016-0035 Curry, T. J., Fissel, G. S., Ramirez, C. D. (2008). The impact of bank supervision on loan growth. The North American Journal of Economics and Finance, 19(2), 113-134. Dahl, D., Shrieves, R. E., Spivey, M. F. (2002). Financing loan growth at banks. Journal of Financial Services Research, 22(3), 189-202. de Haas, R., van Lelyveld, I. (2010). Internal capital markets and lending by multinational bank subsidiaries. Journal of Financial Intermediation, 19(1), 1-25. doi: 10.1016/j.jfi.2009.02.001 De Marco, F., Wieladek, T. (2015). The real effects of capital requirements and monetary policy: Evidence from the United Kingdom. Staff Working Paper No. 573, Available at SSRN: https://ssrn.com/abstract=2706465 or http://dx.doi.org/10.2139/ssrn.2706465. Dechow, P. M., Myers, L. A., Shakespeare, C. (2010). Fair value accounting and gains from asset securitizations: A convenient earnings management tool with compensation side-benefits. Journal of accounting and economics, 49(1-2), 2-25. Dechow, P. M., Shakespear, C. (2009). Do managers time securitization transactions to obtain accounting benefits? The Accounting Review, 84(1), 99-132. Deku, S. Y., Kara, A., Zhou, Y. (2019). Securitization, bank behaviour and financial stability: A systematic review of the recent empirical literature. International Review of Financial Analysis, 61, 245-254. doi: 10.1016/j.irfa.2018.11.013 Dell’Ariccia, G., Igan, D., Laeven, L. U. (2012). Credit Booms and Lending Standards: Evidence from the Subprime Mortgage Market. Journal of Money, Credit and Banking, 44(2‐3), 367-384. Deyoung, R., Gron, A., Torna, G., Winton, A. (2015). Risk Overhang and Loan Portfolio Decisions: Small Business Loan Supply before and during the Financial Crisis. The Journal of Finance, 70(6), 2451-2488. doi: 10.1111/jofi.12356 Diamond, D. W., Dybvig, P. H. (1983). Bank runs, deposit insurance, and liquidity. Journal of political economy, 91(3), 401-419. Dou, Y., Ryan, S. G., Xie, B. (2018). The Real Effects of FAS 166/167 on Banks’ Mortgage Approval and Sale Decisions. Journal of Accounting Research, 56(3), 843-882. doi: 10.1111/1475-679x.12204 Duffie, D. (2008). Innovations in credit risk transfer: Implications for financial stability. BIS Working Paper No. 255, Available at SSRN: https://ssrn.com/abstract=1165484 or http://dx.doi.org/10.2139/ssrn.1165484. Federal Deposit Insurance Corporation. (2004). Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Consolidation of Asset-Backed Commercial Paper Programs and Other Related Issues. Federal Deposit Insurance Corporation. (2009). Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Regulatory Capital; Impact of Modifications to Generally Accepted Accounting Principles; Consolidation of Asset-Backed Commercial Paper Programs; and Other Related Issues. Foos, D., Norden, L., Weber, M. (2010). Loan growth and riskiness of banks. Journal of Banking Finance, 34(12), 2929-2940. Frame, W. S., White, L. J. (2005). Fussing and fuming over Fannie and Freddie: how much smoke, how much fire? Journal of Economic Perspectives, 19(2), 159-184. Francis, W. B., Osborne, M. (2012). Capital requirements and bank behavior in the UK: Are there lessons for international capital standards? Journal of Banking Finance, 36(3), 803-816. doi: 10.1016/j.jbankfin.2011.09.011 Furfine, C. (2020). The impact of risk retention regulation on the underwriting of securitized mortgages. Journal of Financial Services Research, 58(2), 91-114. Gambacorta, L. (2005). Inside the bank lending channel. European Economic Review, 49(7), 1737-1759. Gambacorta, L., Marques-Ibanez, D. (2011). The bank lending channel: lessons from the crisis. Economic Policy, 26(66), 135-182. Gambacorta, L., Mistrulli, P. E. (2004). Does bank capital affect lending behavior? Journal of Financial Intermediation, 13(4), 436-457. doi: 10.1016/j.jfi.2004.06.001 Gande, A., Saunders, A. (2012). Are Banks Still Special When There Is a Secondary Market for Loans? The Journal of Finance, 67(5), 1649-1684. Gorton, G. B., Pennacchi, G. G. (1995). Banks and loan sales marketing nonmarketable assets. Journal of Monetary Economics, 35(3), 389-411. Gorton, G. B., Souleles, N. S. (2007). Special purpose vehicles and securitization. In The risks of financial institutions, University of Chicago Press, 549-602. Greenbaum, S. I., Thakor, A. V. (1987). Bank funding modes: Securitization versus deposits. Journal of Banking Finance, 11(3), 379-401. Gropp, R., Mosk, T., Ongena, S., Wix, C. (2019). Banks Response to Higher Capital Requirements: Evidence from a Quasi-Natural Experiment. The Review of Financial Studies, 32(1), 266-299. doi: 10.1093/rfs/hhy052 Ho, P.-H., Huang, C.-W., Lin, C.-Y., Yen, J.-F. (2016). CEO overconfidence and financial crisis: Evidence from bank lending and leverage. Journal of Financial Economics, 120(1), 194-209. doi: 10.1016/j.jfineco.2015.04.007 Hyun, J.-S., Rhee, B.-K. (2011). Bank capital regulation and credit supply. Journal of Banking Finance, 35(2), 323-330. doi: 10.1016/j.jbankfin.2010.08.018 Ivashina, V., Scharfstein, D. (2010). Bank lending during the financial crisis of 2008. Journal of Financial Economics, 97(3), 319-338. doi: 10.1016/j.jfineco.2009.12.001 James, C. (1988). The use of loan sales and standby letters of credit by commercial banks. Journal of Monetary Economics, 22(3), 395-422. Jiangli, W., Pritsker, M., Raupach, P. (2007). Banking and securitization. Paper presented at the In EFA 2007 Ljubljana Meetings Paper. Jiménez, G., Ongena, S., Peydró, J. L., Saurina, J. (2017). Macroprudential policy, countercyclical bank capital buffers, and credit supply: Evidence from the Spanish dynamic provisioning experiments. Journal of political economy, 125(6), 2126-2177. Kaminsky, G. L., Reinhart, C. M. (1999). The twin crises: the causes of banking and balance-of-payments problems. The American Economic Review, 89(3), 473-500. Kapan, M. T., Minoiu, M. C. (2013). Balance sheet strength and bank lending during the global financial crisis. International Monetary Fund. Kara, A., Marques-Ibanez, D., Ongena, S. (2019). Securitization and credit quality in the European market. European Financial Management, 25(2), 407-434. doi: 10.1111/eufm.12168 Kashyap, A. K., Stein, J. C. (1995). The impact of monetary policy on bank balance sheets. Paper presented at the Carnegie-rochester conference series on public policy. Kashyap, A. K., Stein, J. C. (2000). What do a million observations on banks say about the transmission of monetary policy? The American Economic Review, 90(3), 407-428. Keys, B. J., Mukherjee, T., Seru, A., Vig, V. (2010). Did securitization lead to lax screening? Evidence from subprime loans. The Quarterly Journal of Economics, 125(1), 307-362. Kishan, R. P., Opiela, T. P. (2000). Bank size, bank capital, and the bank lending channel. Journal of Money, Credit and Banking, 121-141. Krainer, J., Laderman, E. (2013). Mortgage Loan Securitization and Relative Loan Performance. Journal of Financial Services Research, 45(1), 39-66. doi: 10.1007/s10693-013-0161-7 Kupiec, P., Lee, Y., Rosenfeld, C. (2017). Does bank supervision impact bank loan growth? Journal of Financial Stability, 28, 29-48. doi: 10.1016/j.jfs.2016.11.006 Lacina, M. J., Li, S., Yi, L. (2020). Do bank managers use securitization gains to smooth earnings in the post- FAS 166/167 period? Advances in Accounting, 48. doi: 10.1016/j.adiac.2020.100456 Laidroo, L. (2014). Lending growth determinants and cyclicality: Evidence from CEE banks. Working paper, Tallinn University of Technology. Liu, C. C., Ryan, S. G., Wu, S. J. (2020). Impact of the Financial Crisis and Capital Adequacy on Banks’ Mortgage Lending. forthcoming. Lo, A. K. (2014). Accounting Credibility and Liquidity Constraints: Evidence from Reactions of Small Banks to Monetary Tightening. The Accounting Review, 90(3), 1079-1113. doi: 10.2308/accr-50945 Loutskina, E. (2005). Does securitization affect bank lending? Evidence from bank responses to funding shocks. Manuscript, Caroll School of Management. Loutskina, E. (2011). The role of securitization in bank liquidity and funding management. Journal of Financial Economics, 100(3), 663-684. doi: 10.1016/j.jfineco.2011.02.005 Loutskina, E., Strahan, P. E. (2009). Securitization and the declining impact of bank finance on loan supply: Evidence from mortgage originations. The Journal of Finance, 64(2), 861-889. Loutskina, E., Strahan, P. E. (2011). Informed and Uninformed Investment in Housing: The Downside of Diversification. The Review of Financial Studies, 24(5), 1447-1480. doi: 10.1093/rfs/hhq142 Maddaloni, A., Peydró, J.-L. (2011). Bank Risk-taking, Securitization, Supervision, and Low Interest Rates: Evidence from the Euro-area and the U.S. Lending Standards. The Review of Financial Studies, 24(6), 2121-2165. doi: 10.1093/rfs/hhr015 Meder, A. A. (2015). Interaction between Accounting Standards and Monetary Policy: The Effect of SFAS 115. The Accounting Review, 90(5), 2031-2056. doi: 10.2308/accr-51029 Mian, A., Sufi, A. (2009). The consequences of mortgage credit expansion: Evidence from the US mortgage default crisis. The Quarterly Journal of Economics, 124, 1449-1496. Michelangeli, V., Sette, E. (2016). How does bank capital affect the supply of mortgages? Evidence from a randomized experiment. Bank of Italy Temi di Discussione (Working Paper) No, 1051. Morris-Levenson, J., Sarama, R., Ungerer, C. (2017). Does Tighter Bank Regulation Affect Mortgage Originations? Available at SSRN: https://ssrn.com/abstract=2941177 or http://dx.doi.org/10.2139/ssrn.2941177. Munnel, A., Tootell, G., Browne, L., McEneaney, J. (1996). Mortgage Lending in Boston: Interpreting the HMDA Data. The American Economic Review, 86(1), 25-53. Nadauld, T. D., Sherlund, S. M. (2013). The impact of securitization on the expansion of subprime credit. Journal of Financial Economics, 107(2), 454-476. doi: 10.1016/j.jfineco.2012.09.002 Nadauld, T. D., Weisbach, M. S. (2012). Did securitization affect the cost of corporate debt? Journal of Financial Economics, 105(2), 332-352. doi: 10.1016/j.jfineco.2012.03.002 Parlour, C. A., Plantin, G. (2008). Loan sales and relationship banking. The Journal of Finance, 63(3), 1291-1314. Passmore, W., Sherlund, S. M., Burgess, G. (2005). The effect of housing government‐sponsored enterprises on mortgage rates. Real Estate Economics, 33(3), 427-463. Peek, J., Rosengren, E. (1995). Bank regulation and the credit crunch. Journal of Banking Finance, 19(3-4), 679-692. Peek, J., Rosengren, E. S., Tootell, G. M. (2003). Identifying the macroeconomic effect of loan supply shocks. Journal of Money, Credit and Banking, 931-946. Pennacchi, G. G. (1988). Loan sales and the cost of bank capital. The Journal of Finance, 43(2), 375-396. Purnanandam, A. (2011). Originate-to-distribute Model and the Subprime Mortgage Crisis. The Review of Financial Studies, 24(6), 1881-1915. doi: 10.1093/rfs/hhq106 Rajan, U., Seru, A., Vig, V. (2010). Statistical default models and incentives. The American Economic Review, 100(2), 506-510. doi: 10.1257/aer Rajan, U., Seru, A., Vig, V. (2015). The failure of models that predict failure: Distance, incentives, and defaults. Journal of Financial Economics, 115(2), 237-260. doi: 10.1016/j.jfineco.2014.09.012 Shin, H. S. (2009). Securitisation and financial stability. The Economic Journal, 119(536), 309-332. Shleifer, A., Vishny, R. W. (2010). Unstable banking. Journal of Financial Economics, 97(3), 306-318. doi: 10.1016/j.jfineco.2009.10.007 Stein, J. C. (1995). An adverse selection model of bank asset and liability management with implications for the transmission of monetary policy: National bureau of economic research. Termos, A., Saad, M. (2016). Do mortgage loans respond perversely to monetary policy? Journal of Real Estate Research, 38(2), 251-290. Tian, X. S., Zhang, H. (2017). Impact of FAS 166/167 on the securitization of credit card loans. Haiwen, Impact of FAS. Tracey, M. (2011). The Impact of Non-performing Loans on Loan Growth: an econometric case study of Jamaica and Trinidad and Tobago. In Bank of Jamaica Applied research Conference in Jamaica September. Uluc, A., Wieladek, T. (2018). Capital requirements, monetary policy and risk shifting in the mortgage market. Journal of Financial Intermediation, 35, 3-16. doi: 10.1016/j.jfi.2018.06.007 Vojtech, C. M., Kay, B. S., Driscoll, J. C. (2020). The real consequences of bank mortgage lending standards. Journal of Financial Intermediation, 44. doi: 10.1016/j.jfi.2019.100846 Wang, Y., Xia, H. (2014). Do Lenders Still Monitor When They Can Securitize Loans? The Review of Financial Studies, 27(8), 2354-2391. doi: 10.1093/rfs/hhu006 Xie, B. (2016). Does Fair Value Accounting Exacerbate the Procyclicality of Bank Lending? Journal of Accounting Research, 54(1), 235-274. doi: 10.1111/1475-679x.12103 Zarutskie, R. (2013). Competition, financial innovation and commercial bank loan portfolios. Journal of Financial Intermediation, 22(3), 373-396. Zhang, J., Yin, Y., Zhang, L. (2019). Determinants of loan securitization in Chinese banking: Cost-benefit-based analysis. Pacific-Basin Finance Journal, 57. doi: 10.1016/j.pacfin.2018.08.014 王文宇、黃金澤與邱榮輝（2006）。金融資產證券化之理論與實務：元照出版社。 邱天一（2017）。金融危機後證券化法制改革之研究：索引數位股份有限公司。 黃朝熙（2004）。金融資產證券化對銀行體系之影響暨對中央銀行政策之意涵。中央銀行季刊， 26（1）。 劉啟群、吳思蓉（2020）。2008 金融海嘯及金融改革對貸款成長的衝擊: 從銀行資本的角度探討。會計評論， 70（70），頁 1-42。 儲蓉（2004）。金融資產證券理論與案例分析：台灣金融研訓院。 | |
| dc.identifier.uri | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/80110 | - |
| dc.description.abstract | 本研究以2005年至2017 年間之美國銀行控股公司(bank holding company)為樣本，利用其主要儲貸機構向美國聯準會申報之HMDA房屋抵押貸款資料及FR Y-9C銀行財務資料，探討2008年金融危機前後銀行之證券化活動對其核貸規模成長率之影響。實證結果發現，在金融危機前，銀行進行證券化活動確實有助提高其信用供給，使得抵押貸款核貸規模成長率上升；惟在金融危機後，證券化活動對於此成長率產生負面增額(incremental)影響，表示在金融危機之後，銀行放款行為相對謹慎，且資產證券化對於放款成長之正向影響明顯被弱化。 | zh_TW |
| dc.description.provenance | Made available in DSpace on 2022-11-23T09:26:39Z (GMT). No. of bitstreams: 1 U0001-0707202112534300.pdf: 2767772 bytes, checksum: bbac2ea4b883c876c9522f804bbbaf60 (MD5) Previous issue date: 2021 | en |
| dc.description.tableofcontents | 謝辭 i 中文摘要 ii ABSTRACT iii 目 錄 iv 表目錄 v 第一章 緒論 1 第二章 制度背景、文獻回顧與假說發展 4 第一節 制度背景 4 第二節 文獻回顧 10 第三節 假說發展 18 第三章 研究設計 20 第一節 資料來源與樣本 20 第二節 變數衡量與實證模型 22 第四章 研究結果 27 第一節 敘述性統計 27 第二節 實證結果 36 第三節 穩健性測試 40 第五章 研究結論、限制與建議 59 參考文獻 61 附錄 70 附錄一、Dodd-Frank Act相關條文節錄 70 附錄二、SFAS 166/167內容摘要 74 附錄三、FDIC對於SFAS 166/167施行後影響銀行資本適足率計算之說明 79 | |
| dc.language.iso | zh-TW | |
| dc.subject | 銀行貸款成長 | zh_TW |
| dc.subject | SFAS166/167 | zh_TW |
| dc.subject | 2008金融危機 | zh_TW |
| dc.subject | 資產證券化 | zh_TW |
| dc.subject | Dodd-Frank法案 | zh_TW |
| dc.subject | 2008 financial crisis | en |
| dc.subject | SFAS166/167 | en |
| dc.subject | Dodd-Frank Act | en |
| dc.subject | Securitization | en |
| dc.subject | Loan growth | en |
| dc.title | 2008金融危機與資產證券化對銀行抵押貸款規模成長之影響 | zh_TW |
| dc.title | The Impact of the 2008 Financial Crisis and Asset Securitization on Banks’ Mortgage Loan Growth | en |
| dc.date.schoolyear | 109-2 | |
| dc.description.degree | 碩士 | |
| dc.contributor.coadvisor | 尤琳蕙(Lin-Hui Yu) | |
| dc.contributor.oralexamcommittee | 吳思蓉(Hsin-Tsai Liu),林純央(Chih-Yang Tseng),張窈菱 | |
| dc.subject.keyword | 2008金融危機,銀行貸款成長,資產證券化,Dodd-Frank法案,SFAS166/167, | zh_TW |
| dc.subject.keyword | 2008 financial crisis,Loan growth,Securitization,Dodd-Frank Act,SFAS166/167, | en |
| dc.relation.page | 79 | |
| dc.identifier.doi | 10.6342/NTU202101321 | |
| dc.rights.note | 同意授權(全球公開) | |
| dc.date.accepted | 2021-07-08 | |
| dc.contributor.author-college | 管理學院 | zh_TW |
| dc.contributor.author-dept | 會計學研究所 | zh_TW |
| dc.date.embargo-lift | 2023-12-31 | - |
| 顯示於系所單位： | 會計學系 | |
文件中的檔案：
| 檔案 | 大小 | 格式 | |
|---|---|---|---|
| U0001-0707202112534300.pdf | 2.7 MB | Adobe PDF | 檢視/開啟 |
系統中的文件，除了特別指名其著作權條款之外，均受到著作權保護，並且保留所有的權利。