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研究生： 孫嘉鴻
Chia-Hung Sun
論文名稱： 投資印尼眾籌平台之探討
指導教授： 洪榮華
none
口試委員:
學位類別： 碩士
Master
系所名稱： 管理學院 - 高階主管企管碩士班
Executive MBA Program
論文出版年： 2020
畢業學年度： 108
語文別： 中文
論文頁數： 66
中文關鍵詞： 伊斯蘭金融 、金融科技 、眾籌服務
外文關鍵詞： Islamic Finance, FinTech, Crowdfunding
相關次數： 點閱：11  下載：0 
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    • “南向政策” 的推廣使得東南亞市場為注目的焦點，印尼在本區域中有著龐大年輕的人口且分散居住於兩萬多個島上，正是金融科技發展的好區域。本研究是設想有一筆資金，探討如何投資印尼金融科技服務，包含所需資金、回收年數及與伊斯蘭金融的關聯性。研究結果發現，眾籌服務平台進入門檻低，可服務客群也多；符合伊斯蘭金融的眾籌服務平台，獲利略優於其他的眾籌服務平台。眾籌服務平台目前多為新創公司，從頭開始，除了需面對許多挑戰外，還要持續數十年的投資才能回收。因此本文最後建議，可以先從投資現有的平台或是加入會員做為起始，並建議後續研究者，蒐集更多此產業上市公司財務狀況，對於投資做更詳盡的評估。

    “New South bound policy” has made Southeast Asia under spotlight. Indonesia has large young population living in more than 20,000 islands, thereby making it a perfect location to develop Fintech. This study examines how to enter FinTech industry in Indonesia, , including the fund required, the number of years to recover the initial investment and the profitability of the Islamic finance. The research results show a low entry barrier to crowdfunding in Indonesia with a huge potential market. In addition, an Islamic crowdfunding platform is more profitable than a non-Islamic crowdfunding platform. Most of the crowdfunding platforms today are start-ups which face fierce competition and need decades to get back the initial costs. This study thus suggests that starting with joining an existing platform as a member or investing in an extant company would be a better choice. Future researchers can conduct a further analysis of listed firms in this industry and do a more sophisticated evaluation.

    第一章 緒論 1 1.1 研究動機與目的 1 1.2 研究流程 3 第二章 文獻回顧 5 2.1伊斯蘭金融 5 2.2金融科技 10 2.3主要國家金融科技發展現狀 14 2.3.1 美國金融科技發展現況 14 2.3.2 英國金融科技發展現況 16 2.3.3 新加坡金融科技發展現況 18 2.3.4 馬來西亞金融科技發展現況 20 2.4監理沙盒在伊斯蘭金融科技 22 2.5財務分析 23 2.5.1財務槓桿比率 24 2.5.2流動性比率 25 2.5.3活動比率 26 2.5.4獲利能力比率 26 2.6淨現值的意義與投資決策 26 2.7進入國際市場的模式 27 2.6.1間接與直接出口 27 2.6.2 授權 28 2.6.3 合資 28 2.6.4 直接投資 28 2.6.5 收購 29 第三章 研究方法 30 3.1研究架構 30 3.2研究對象 30 3.3研究工具 30 3.4研究範圍/限制 31 第四章 研究分析 32 4.1 目的 32 4.2 何謂眾籌 32 4.3 印尼目前眾籌市場概況 34 4.3.1 Kapital Boost 34 4.3.2 Ethiscrowd 35 4.3.3 Funding Societies 35 4.3.4 FundedByMe 37 4.4 Kapaital boost.com 與 EthisCrowd 之比較 39 4.5 Kapaital boost.com 與 Funding Societies 之比較 39 4.6 如何進入市場的建議 42 4.7 本章小結及建議 44 第五章 結論 46 參考文獻 48 附錄1 印尼公債殖利率10年 51 附錄2 淨現值計算 52 附錄3 FundedByMe 2018年財務報表 56

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