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• Main Authors: JONG DER LONG, 鍾德隆
• Other Authors: hanbi Chang
• Format: Others
• Language: zh-TW
• Published: 2013
• Online Access: http://ndltd.ncl.edu.tw/handle/14764370598245450695

碩士 === 國立中央大學 === 客家研究碩士在職專班 === 101 === The present study aimed to figure out the financing behaviors of Southern Fujianese and Hakka ethnicity. The data on consumer loans were collected from the branches of Bank of Taiwan in Taoyuan County. Based on the collected statistic data of consumer loans, the results showed that there was no significant difference on the application numbers and sum of money on housing purchase loans between the residents in Southern and Northern Taoyuan. However, among the credit loans, the application numbers and sum of money in Northern Taoyuan were greatly higher than those in Southern Taoyuan. Majority of the residents in Northern Taoyuan are Southern Fujianese whereas Hakka people in Southern Taoyuan. Were the founded results caused by the cultural differences between these two groups of people or any other factors existed? Not only the statistic data of consumer loans were used in the present study, but also the quantitative questionnaire was employed to analyze the differences between Southern Fujianese and Hakka ethnicity. Moreover, 21 semi-structure in-depth interviews consisted of 15 borrowers on consumer loans, 5 bank staffs and a real estates agent were further conducted. The above mentioned 3 methods were performed as the data collection instruments to analyze and compare the relevant data. In the recent years, the differences among ethnic groups have been gradually indistinct. It might be due to the rapid economy growth, swift population flows between urban and rural areas and the common across-ethnicity marriages in Taiwan. The results carried out that Southern Fujianese were more dared to borrow money from bank and purchased the credit loans than those Hakka ethnicity on the consumer loans aspect. For the aspect of concrete financing behaviors, there was no significant difference between those two groups except for the collaterals provided or collaterals non- provided item. Keywords：Ethnic group, Financing behaviors, Consumer loans