% % 21. 5% 14. 5% 14. 3% 14% 9. 9% 9% 9% 8% 7. 3% 6. 1% 5. 1% 4. 6% 3. 4% 融庋? 阌统

* 2009 8 2010 10 * 57

2010 6 1 12 2 2009 6178 4293 378455 78. 16% 3 2010 41. 9% 21. 5% 14. 5% 14. 3% 14% 9. 9% 9% 9% 8% 7. 3% 6. 1% 5. 1% 4. 6% 3. 4% 4 2009 1 2 3 融庋? 阌统计? http / /www. fsa. go. jp /status /kasikin /index. html 4? 调? http / / www. j - fsa. or. jp /material /report /h21. php 58

500 15 91. 3% AIFUL ACOM 69. 3% 1 2 0. 658 ~ 0. 697 3 20 90 20 50 ~ 1982 20 50 60 4 80 22 90% 1500 5 1954 60 1 2 3 康郎? 融竞度? http / /www. iser. osaka - u. ac. jp / ~ ohtake /student /kubota /dp0826. pdf 4?Annual Report 2010? http / /www. promise. co. jp /pdf /ar2010_ 00_ e. pdf ppmc /p p mc 隆? 融宓讵究? 泾评论社 1979 85 ~ 89 59

2010 6 70 1983 ~ 1999 1983 1983 1986 1991 1999 1998 90 1999 5 2000 2000 1 2000 2001 2 2003 3 2006 1 60

1 2007 1 20 2007 12 19 2009 6 18 2010 6 18 融庋 http / /www. fsa. go. jp /policy /kashikin / AIFUL ACOM 2 2 2009 % 85. 26-0 0 3. 58 2. 01 6. 58 2. 4 0. 17 AIFUL 81. 54-2. 07 8. 36 0 0 7. 22 0 0. 82 ACOM 83. 13 0. 74 1. 24 1. 33 4. 86 0 2. 35 93. 65 6. 35 95. 7-0 0-1. 74-0 2. 56-61

2010 6 3 3 1. 2010 76. 1% 44. 3% 40% 37. 7% 36. 3% 20% 10% 1 2. 2009 ACOM 1443 19. 65% 3. 2006 15% 18% 20% 1. 2006 1? 调? http / / www. j - fsa. or. jp /material /report /h21. php 62

2009 94. 3% 1 4 117 2008 20. 3% 2009 22. 7% 4 2006 2007 2008 156998. 37 148550. 78 132983. 73 % 17. 8 16 14. 2 2936. 22 4564. 57 5857. 9 2598. 66 3939. 83 4264. 14 http / /www. j - fsa. or. jp 2006 AIFUL City s 43 4 2. 2007 2009 1 1? 宓调? http / /www. j - fsa. or. jp 63

2010 6 1 3. 80% 2007 2008 12. 9% 15. 1% 1. 5% 1. 4% 1. 2010 8 1694 5000 30% 1 1999 2009 40. 9% 1 http / /www. keieiken. co. jp /j - fsa /monthly_ survey /backnumber. html 64

2005 48. 8% 67. 2% 2. 2009 CSR 1414 21. 9% CSR 5 CSR 5 CSR % CSR 663 645 97. 3 558 86. 5 93 92 98. 9 73 79. 3 643 606 94. 3 336 55. 4 1399 1343 96 967 72 3253 1414 43. 5 310 21. 9 融庋? 融阌 CSR 调结概? http / /www. fsa. go. jp /news /20 / ginkou /20090331-7 /01. pdf 1 65

2010 6 1999 40. 004% 1000% ~ 2000% 2 2005 230 230 18. 4 3 35% 1 2 2008 33. 4% 3 20 80 90 1977 1983 1998 2003 2006 12 1 1 http / /www. laf. org. tw /upload /resource /20080827104809. pdf 66

1. 2001 2003 2006 2010 6 2004 23708 2010 8 2948 2007 3 14. 7% 2009 12 5. 8% 116. 9 81. 5 23% 17. 8% 2003 32. 18 2008 14. 14 2010 7 2. 2006 2007 2009 12 90% 1 2 1 2 融庋? 谈窬? http / /www. fsa. go. jp /soudan /index. html 融庋? 4? http / /www. fsa. go. jp /policy /kashikin /manual /03. pdf 67

2010 6 3. 1 1 1952 2003 2005 ~ 2006 2 2002 2010 10 24 6 1. 2007 12 26 47 1 融庋? 融泾育谈? http / /www. fsa. go. jp /singi /index. html 68

2. 3. 1988 2006 19 2009 4. 2010 7 69

2010 6 70

2010 6 1 12 2 2009 6178 4293 378455 78. 16% 3 2010 41. 9% 21. 5% 14. 5% 14. 3% 14% 9. 9% 9% 9% 8% 7. 3% 6. 1% 5. 1% 4. 6% 3. 4% 4 2009 1 2 3 融 庋? 阌 统

2010 6 1 12 2 2009 6178 4293 378455 78. 16% 3 2010 41. 9% 21. 5% 14. 5% 14. 3% 14% 9. 9% 9% 9% 8% 7. 3% 6. 1% 5. 1% 4. 6% 3. 4% 4 2009 1 2 3 融庋? 阌统