政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/112619

政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/112619

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政大典藏 > College of Commerce > Department of Finance > Theses > Item 140.119/112619

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/112619

Title:	創業型助貧計畫 -以中信慈善基金會「信扶專案」為例 Entrepreneurship pro-poor plan Case of CTBC foundation- The Happiness Project
Authors:	黃弘智
Contributors:	李志宏周行一黃弘智
Date:	2017
Issue Date:	2017-09-13 14:13:42 (UTC+8)
Abstract:	中信慈善基金會自2004年創立，長期以來持續關注台灣弱勢家庭及兒童關懷等的問題，中信集團建立起的企業志工文化，將企業所培養的志工投入到弱勢兒童及家庭的需求上。2011年起中信慈善基金會發起創業型助貧計畫-信扶專案。結合了集團旗下資源以及其他產業資源包含了商業銀行、社福單位、顧問機構、信用保證機構、人壽保險機構，為弱勢家庭家長建立一個完整的創業平台。這三年來，透過專案輔導學員本身的回饋以及專案負責人、顧問及輔導員們日以繼夜的討論及改進，專案的內容日臻完善並能夠對需要幫助的人進行篩選避免逆選擇以及資源濫用的問題以維持專案績效。本論文藉由真魷味酥炸大魷魚及立橙複合餐飲兩個經由中信慈善基金會信扶專案輔導的案例，了解微型創業家在創業的過程中可能面臨的創業難題，並藉由專案輔導期間的課程學習以及創業前輔導員及顧問協助使兩創業主各自能從專案中學到基礎的創業知能並解決創業難題。然而，中央及各縣市政府的創業貸款計畫也行之有年，且以行政機關為媒介也較有號召力，因此如何創造出信扶專案的自身特色並真正能幫助的弱勢家庭成功創業，也是專案負責人林美吟女士的一大挑戰。弱勢家庭在創業上有著缺乏第一筆資金、缺乏資源整合等等的先天劣勢，使其創業較一般創業為難，而行政機關的一次性資金貸與以及缺乏後續追蹤協助的情況使得政府專案補助對弱勢創業家而言可能是一種隱藏的不利因素甚至使其背負較大的創業風險。了解政府專案的可改進的地方，並藉由長期以來累積許許多多的輔導學員技術上支援後，林美吟女士期許信扶專案能像雨後春筍般在台灣各地遍地開花，真正的解決台灣弱勢家庭惡性貧窮循環的根本問題。 Founded in 2004, CTBC foundation had been cared about vulnerable families and children since it founded. CTBC foundation established an entrepreneurship pro-poor plan named The Happiness Project in 2011. This project coordinates with multi institution including commercial bank, social welfare organization ,consulting institution , credit guarantee fund and life insurance company to establish an all-around environment for vulnerable families parents to start their own business. Coordinated through project consultants, counselors and start-up parents themselves, The Happiness project becoming better and approaching perfection day by day to avoid adverse selection and resource abuse. By means of “The Real Big Fried Squid” and “Li Cheng compound dining” two start-ups counseled by CTBC Happiness project. We realize what difficulties micro-entrepreneur might confront when they set up their own business. Via start-up lecture learning and assistance from consultants & counselors the two entrepreneur learned their start up skill and solved difficulties. As we know government also play an assistant role in start-up loans for a long time and the authorities concerned can make a better public appeal compared to private company. So it’s a great challenge for Ms. Lin, the project leader, to differentiate Happiness Project to other start-up assistance project. Lack of the first capital and resource integration capabilities, Vulnerable families face greater challenge comparted to normal start-up, and one-time credit and assistance lack of follow-up might make cause greater risk for them. Understanding the USP of Happies Project and its long-term accumulated know-how. Project leader Ms. Lin wish the project can be spread like bamboo after a spring rain and solve the vicious circle of poor prevailed in vulnerable families in Taiwan fundamentally.
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Description:	碩士國立政治大學財務管理研究所 102357003
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0102357003
Data Type:	thesis
Appears in Collections:	[Department of Finance] Theses

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