授信業務是銀行的主要業務之一，是一種具有風險的業務，雖然逾期放款之發生實在難免，但如何將授信風險降至最低程度，乃為金融機構所追求的最高目標，而以知識為組織架構的金融服務業，往往是靠前輩的指導或員工間相互學習而獲得知識。本研究將從中小企業銀行授信人員的角度，以動機因素、組織文化及脈絡因素探究知識分享對授信品質之影響。本研究以中小企業銀行授信人員為研究對象，總計發出500份電子問卷、20份紙本問卷，回收有效樣本為108份，針對此樣本以因素分析、信度分析後，最後採用迴歸分析等統計方法進行資料分析驗證。經實證分析後發現以下結果：(一) 動機因素可正向影響授信品質。(二) 組織文化可正向影響授信品質。(三)脈絡因素可正向影響授信品質。找出其中關聯所在後，期能喚起銀行業者重視非財務比率分析對授信品質之重要性，以提供銀行業參考。

Loan is one of the main business of banks, and is a kind of business risk. Although overdue loans is inevitable, how to minimize credit risk has been the highest goal of financial institutions. Gaining knowledge often relies on the guidance from seniors or on learning learn from coworkers. The study is from the perspective of bank staff to discuess and find out how knowledge sharing affecting the loan quality by motivational factors, organizational culture and network factors.This study takes bank credit officer as study subjects. Totally 500 electronic and 20 paper copies of questionnaires were issued, 108 valid questionnaires returned, Targeting on this sample, data analysis is verified through factor analysis, reliability analysis, and regression analysis methods.  As a result, the empirical analysis indicates that: (1) The motivation factors affect loan quality positively. (2) The organizational culture affect loan quality positively. (3) The network factors affect loan quality positively.After finding out the correlation between loan quality and the three factors above to draw banking’s attention on the importance of loan quality for reference.

中文提要	I
英文提要	II
目錄	III
圖目錄	V
表目錄	VI
第一章 緒論	1
第一節 研究背景與動機	1
第二節 研究目的與研究問題	2
第三節 研究流程	2
第二章 文獻探討	4
第一節 知識	4
第二節 知識的分享	9
第三節 授信品質	21
第四節 知識分享因素與授信品質之關係	25
第三章  研究方法	29
第一節 研究架構	29
第二節 研究假說	30
第三節 操作性定義及問卷設計	30
第四節 資料分析方法	37
第四章 實證結果與分析	38
第一節 問卷發放及回收情形	38
第二節 效度與信度分析	39
第三節 迴歸分析	44
第五章 結論與建議	51
第一節 研究結論	51
第二節 管理意涵	52
第三節 研究限制	53
第四節 後續研究建議	54
參考文獻	55
一、中文部分	55
二、英文部分	57
附錄：研究問卷	61
圖目錄
圖1-1 研究流程圖	3
圖2-1 知識的層遞結構	5
圖2-2 知識管理架構	10
圖2-3 知識轉換模式	12
圖3-1 研究架構	29
表目錄
表2-1 知識的種類	6
表2-2 組織中知識的概念	7
表2-3 內隱知識與外顯知識的比較	7
表2-4 知識分享行為的論點	12
表2-5 組織文化的定義	14
表3-1 動機因素測量題項	32
表3-2 組織文化測量題項	33
表3-3 脈絡因素測量題項	35
表3-4 授信品質測量題項	36
表4-1 問卷回收情形	38
表4-2 動機因素之因素分析	40
表4-3 組織文化之因素分析	41
表4-4 脈絡因素之因素分析	42
表4-5 授信品質之因素分析	43
表4-6 動機因素、組織文化、脈絡因素及授信品質構面之信度分析	44
表4-7 各構面對授信品質之共線性	44
表4-8 互惠因素對授信品質之迴歸分析	45
表4-9 利他主義對授信品質之迴歸分析	45
表4-10 自我效能感對授信品質之迴歸分析	46
表4-11 組織公平文化對授信品質之迴歸分析	47
表4-12 組織信任文化對授信品質之迴歸分析	47
表4-13 社會網絡對授信品質之迴歸分析	48
表4-14 主管支持對授信品質之迴歸分析	48
表4-15 資訊工具應用對授信品質之迴歸分析	49
表4-16 研究假說與研究問題之驗證結果彙整表	50

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