本周六11月7日EMBA管理决策国际观个案讨论内容

1、.：.；- PAGE 20-本周六11月7日EMBA管理決策國際觀個案討論內容個案一、窮人銀行/窮人保單 HYPERLINK nytimes/ November 3, 2021 HYPERLINK connecttheworld.blogsn/2021/11/03/connector-of-the-day-muhammad-yunus/ o Permanent Link: Connector of the Day MuhammadYunus Connector of the Day MuhammadYunusPosted: 1700 GMTMuhammad Yunus received the

2、 Nobel Peace Prize in 2006 for his pioneering work in “microcredit which has helped millions of people out of the poverty cycle. The first businessman ever to receive such a high honor, Yunus has revolutionized conventional ways of banking, creating a system of lending small amounts to entrepreneurs

3、 with no collateral.Recently he has backed the Nobel committees controversial decision to award the 2021 peace prize to U.S. President Barack Obama.Yunus set up the Grameen bank in Bangladesh in 1983 (Grameen literally means of the village in Bengali), and has since disbursed about $8 billion to Ban

4、gladeshi micro-entrepreneurs, 97 percent of whom are women in businesses such as street vending and farming.The banks concept is simple. “Credit is a basic human right, says Yunus. “Offer even a small credit and a person will work out how to best use it to break free of poverty.The average loan is j

5、ust $220, and repayments are near 100 percent. This microcredit model has been copied all over the developing world.In 2021 during a global economic recession Grameen has been little affected according to Yunus. In fact it has now set its sights on helping the poverty-stricken in the U.S.After the s

6、ubprime mortgage meltdown and tougher standards by lenders, poor Americans deemed unworthy of credit by commercial banks now have somewhere to turn.Last year, Grameen opened a branch in New York Citys Jackson Heights, an immigrant enclave just miles from the global center of finance, Wall Street.Yun

7、us says the financial crisis offers an opportunity for businesses, banks and governements to revolutionize, and create a fairer economic system for the worlds poor.Send your questions for the banker with a conscience below, and well do our best to put them to Muhammad Yunus, our Connector of the Day

8、 on Wednesday.Posted by: HYPERLINK connecttheworld.blogsn/tag/connect-the-world-producers/ Connect the World ProducersFiled under: HYPERLINK connecttheworld.blogsn/category/connector-of-the-day/ o View all posts in Connector of the day Connector of the day HYPERLINK connecttheworld.blogsn/category/f

9、uture-connectors/ o View all posts in Future Connectors Future Connectors相關Video連結MuhammadYunus： HYPERLINK cnn/video/%23/video/international/2021/03/28/pv.muhammad.yunusn cnn/video/#/video/international/2021/03/28/pv.muhammad.yunusn國泰人壽關懷弱勢族群第一張窮人保單搶得頭籌 更新日期:2021/10/29 10:18 生活中心綜合報導 國內第一張微型保單由 HYPE

10、RLINK tw.news.yahoo/article/url/d/a/091029/17/? o 國泰 國泰人壽拔得頭籌，經濟弱勢者，只需符合9大投保條件之一、以集體方式委託鄉鎮市公所等代理投保單位向國泰人壽辦理，便能以年繳197元保費，獲得最高30萬元不测傷害的保证。 HYPERLINK tw.news.yahoo/article/url/d/a/091029/17/? o 金管會 金管會表示，目前還有 HYPERLINK tw.news.yahoo/article/url/d/a/091029/17/? o 南山人壽 南山人壽、富邦人壽、兆豐產險及泰安產險等4張微型保險正在審查當中。保險

11、博聞網指出，弱勢保單跟窮人保單的出現，將有助於現有經濟狀態人民生活的根本保证，民眾只需繳較少的費用，就可以获得應急所需，提供這樣的保險，對貧苦家庭及一些弱勢族群，不會再發生眼見災害發生，卻有心無力去承擔責任的後果，而呵斥社會本钱更大的損失。金管會保險局表示，所謂微型保險為保險業針對經濟弱勢者提供特定風險根本保证的保險商品，主要特征就是低保額、低保費、保证內容簡單易懂。目前除了國壽這張微型傷害險外，南山人壽、兆豐產險、及泰安產險也是以傷害保險為主，富邦壽則推出微型壽險。國泰人壽這張微型傷害保險保額為1至30萬元，年保費每萬元只需6.58元，以最高保額30萬元來計算，年繳保費只需197元，而且投保

12、年齡無特別限制，0-99歲都可投保，不過，想要投保的民眾則需求集體投保(5人以上)，而且一定要委託代理投保單位，例如鄉鎮公所、社福單位等，代為向國泰人壽辦理。保險局強調，推動微型保險之目的在於藉由商業保險增進經濟弱勢民眾之根本保險保证，並鼓勵保險業善盡社會責任，目前推動之微型保險性質上仍為商業保險，而非社會保險或社會救助制度，故保險費係由要保人自行支付予保險公司，並非仰賴政府補貼挹注保險費支出，期盼藉由微型保險之推動，鼓勵經濟弱勢民眾自力安排商業保險以強化本身根本保險保证。不過，購買微型保單必須是經濟弱勢者，而且必須符合以下條件之一，包括：一、無配偶且全年綜合所得在新 HYPERLINK tw

13、.news.yahoo/article/url/d/a/091029/17/? o 台幣 台幣25萬元以下；二、夫妻兩人的全年綜合所得在新台幣50萬元以下；三、具原住民身份或具有合法立案的原住民相關人民團體或機構成員身份或為各該團體或機構服務對象。四、具合法立案的漁民相關人民團體或機構成員身份，或持有漁船船員手冊的本國籍漁業從業人或获得我國永久居留證的外國籍漁業從業人員；五、為合法立案的社會福利慈悲團體或機構的服務對象；六、屬 HYPERLINK tw.news.yahoo/article/url/d/a/091029/17/? o 內政部 內政部任务所補助方案實施對象家庭的家庭成員。七、屬於

14、 HYPERLINK tw.news.yahoo/article/url/d/a/091029/17/? o 兒童 兒童及少年醫療補助辦法規定中低收入家庭或特殊境遇家庭扶助條例規定特殊境遇家庭或符合社會救助法規定低收入戶的家庭成員；八、符合身心障礙者權益保隌法定義的身心障礙者或具合法立案的身心障礙者相關人民團體或機構成員身份或為各該團體或機構服務對象；九、其他經主管機關認可是經濟弱勢者。個案討論提綱(assignment questions)1. 窮人銀行設置的動機何在？如何使窮人銀行的計畫有效推動？請提出具體方案。2. 國泰人壽提出窮人保單，胜利的能够性為何？有何具體建議？個案二、教育國際化

15、馬：萬馬奔騰 國內教育國際化2021-11-01 中國時報 【盧金足、鐘武達、張朝欣綜合報導】 總統馬英九昨天從早到晚共有八個行程，在台中等五個縣市馬不停蹄地奔走。他到彰化參觀第十屆亞太盆景、賞石展覽會時有感而發，要將台灣打呵斥世界花卉島，在中興大學參觀土石流展现區時，希望加強培訓防災專員；在中正大學則強調國內教育要國際化，才干因應全球各大學日益猛烈的競爭。 興大昨天九十周年校慶運動大會，馬英九為校史館揭牌。校長蕭介夫爭取五年五百億頂尖杰出大學經費，表示興大師生數一萬七千人，分配經費四億多，還不如胜利大學十七億，建議應依人數來補助經費。馬總統當場指示吳清基，認真思索經費補助依人口比例分配，給興

16、大多一點關愛眼神。 他在彰化主持二九亞太地區第十屆盆景賞石展覽揭幕和中正大學廿周年校慶時都表示，教育經費依據國民生產毛額成長每年應添加兩百四十億元，經過努力調整預算，今年增為二百六十億，但明年度經濟較困難，各部會總預算零成長，但教育經費例外，經教育部爭取仍添加一五九億。 馬英九表示，他曾提出萬馬奔騰計畫，即在教育部公布名額以外，第一任總統任內有一萬名台灣學生出國留學，兩萬名國外學生來台，希望提高台灣外國學生的比率，藉由國內外學生相互交流，讓台灣國際化，提高競爭力。個案討論提綱(assignment questions)1. 國內教育為何要走向國際化？有何具體學理依據？2. 國內教育走向國際化的

17、利弊得失，請提出具體建議方案？ 個案三、柏林圍牆倒塌滿20年，東西德合併Born in the east, young Germans still forced to head westBy Till Mayer, for CNNSTORY HIGHLIGHTSMany young Germans born in former East still move west for jobs, opportunities Population of Hoyerswerda has declined from 70,000 in 1989 to 40,000 in 2021 Most youngste

18、rs who leave eastern town to study or travel abroad dont return Sarah Stotzner, born in 1989: We young people hardly have a chance here at allRELATED TOPICS HYPERLINK topics.editionn/topics/Berlin_Wall t _blank Berlin Wall HYPERLINK topics.editionn/topics/Germany t _blank Germany HYPERLINK topics.ed

19、itionn/topics/Communism t _blank CommunismHoyerswerda, Germany (CNN) - For decades the Iron Curtain divided Germany because the socialist German Democratic Republic did not wish to continue losing its citizens and skilled workers to the golden West.Today the young people in East Germany would prefer

20、 to stay at home. Many of them must leave, however, because there are hardly any prospects for them in many regions of the former East. Thats the way it is in Hoyerswerda, a town near the Polish border where Sarah Stotzner will soon be packing her bags. She was born in 1989, the year the HYPERLINK t

21、opics.editionn/topics/berlin_wall t _blank Wall fell.Sarah Stotzner, hopes to return to her home town after going abroad - but jobs in the former East Germany are hard to find.Stotzner, pictured with her father Delf as a young child, was born in the last days of the DDR.She wasnt yet three days old

22、when she experienced her first revolution. For young mothers it truly stank - due to a shortage of diapers in the Hoyerswerda Womens Hospital. In the maternity ward peoples anger was bubbling over and it wasnt only the babies who were screaming.It is the end of August, 1989. Romy Stotzner holds her

23、newborn, Sarah, in her arms and wonders about all the young women who are protesting loudly. A year ago they wouldnt have dared, thought the then 23-year-old to herself.But in the German Democratic Republic, the GDR, another wind had begun to blow, softly at first, until it swelled into a storm that

24、 blew the HYPERLINK topics.editionn/topics/communism t _blank communist regime away. The people of East Germany had begun their peaceful revolution and, little by little, fought for and won the right to free speech, a free press, democracy and German reunification.When in October 1989 the state lead

25、ership under Erich Honecker called on the National Peoples Army to march, sabers rattling and tanks clanking, in honor of the GDRs 40th anniversary, it was a funeral procession which led with only minimal detours to the cemetery of history.On August 24, 1989, Romy Stotzner and her husband Delf begin

26、 a very different, private adventure. The young couples first child is born. Their little Sarah has blue eyes, a shock of blond hair, baby fat. Her parents cant get enough of her. All around them the country is in an uproar and falling to pieces, but for both of the Stotzners the content of their ba

27、by buggy is what is most important now.The two education students are thrilled with their own small piece of happiness in Apartment Building 10, AB 10 for short. A 45-square meter apartment with a kitchenette in a standardized prefabricated tenement with thick, gray concrete walls and a stairwell wh

28、ich the wind whistles through from outside.Their apartment in AB 10 is just over a year old. Everything works perfectly, even the aging black-and-white television. And the living room boasts a brand new couch. It was bought with an interest-free marriage loan of 7,000 DDR marks. They also received a

29、n additional monetary gift from the state when their daughter Sarah was born.In the DDR people got married early, in part because it took less time to be allocated an apartment. They also tended to have children at a young age. After all, everything was in place for them: There was a guarantee of ch

30、ildcare and employment in the socialist state.Workplace - until 1989 that meant the Schwarze Pumpe (Black Pump) in Hoyerswerda. Thats the name for the massive collective that turned brown coal (lignite) into gas. From the 1950s onwards, the collective turned a once sleepy, small town of 6,000 into a

31、 city with massive high-rise buildings and a population of exactly 67,881 in 1989. A socialist model city made of concrete had risen up on a green meadow.July 2021: The sky is gray and heavy with clouds. The concrete slabs that rise storey by storey into the heavens are also gray on gray. Sarah Stot

32、zner stands next to Apartment Building 10.The nearly 20-year-old has been living with her parents in a handsome single-family home in Schwarzkollm, a village on the outskirts of Hoyerswerda with old farm houses, front yards with flower beds and a new neighborhood in which houses sprang up one after

33、the other in a ring.Schwarzkollm has a well-groomed appearance, preserved perhaps even a bit too well. It won a gold medal in a German national competition entitled Our Village Should Become More Beautiful.In Apartment Building 10 there is little that would warrant a medal. However, on the walls of

34、one of the buildings an alien grins and profound graffiti covers the wall in a splash of color.This is the Painting Slab, says Sarah Stotzner, not without pride. She explains that it is an art project that she worked on with her friends. Together they wanted to paint a labyrinth world in one of the

35、empty apartments.The destination of all the confusion was supposed to have been Hoyerswerda. Unfortunately, the young people didnt manage to finish their project. What a pity. It makes me a bit angry, says Sarah Sttzner.Stay a while! is written at the top of the slab, the top of the wall of the pref

36、abricated tenement. A futile wish - the building will soon be torn down, perhaps along with the one next door, where there are also rows of orphaned, dark windows next to one another.And on the playground behind the building, only the wind plays on the swing. Everything appears to have been abandone

37、d. The former supermarket of the AB has been closed for a long time.Later we lived in AB 9, says the blonde. That was on the other side of the street. The building has been torn down and has disappeared from the face of the earth. Yet another relic of the GDR has been erased.The DDR - for Sarah Stot

38、zner its just history. A system ended in the year of her birth that she knows only from school and from her parents tales. When I think of the DDR, I always think of the Stasi - the state security forces, she says.But somehow its still difficult for her to conceive of the former state an unjust syst

39、em in general. I dont believe that everything was wrong - the many social benefits, for example, or the idea that all people are equal, says the young woman.An economy of scarcity, the Iron Curtain, informants and party big-wigs - the dark side of real socialism are just stories for her. Real for Sa

40、rah Stotzner are the weaknesses of the market economy.The end of the Black Pump followed reunification, essentially draining the veins of Hoyerswerda. In 2021 there were only 39,214 inhabitants left and, according to predictions, this number will continue to fall until it reaches 30,000.Its unbeliev

41、able that my parents were happy back then when they were allotted their small apartment, thinks Sarah Stotzner.Today in Hoyerswerda there is too much residential property and the wrecking ball demolished 7,150 apartments between 1990 and 2021. This year another 830 will be added to this number, and

42、500 more by 2021. Hoyerswerda keeps shrinking and shrinking.That pains Sarah Stotzner. She shows us the small Old Town. Everything here has been beautifully restored. On one street the colorful, old homes of tradesmen nestle up against one another. The young woman loves this city, even the prefabric

43、ated concrete structures and, of course, Hoyerswerdas natural surroundings.Lausatias lake landscape, its many beautifully renovated villages, the forests. I believe the region has much to offer visitors. Hopefully tourism will help Hoyerswerda get back on its feet, explains the young woman.Naturally

44、 she also longs to see faraway places. She was an exchange student for a year in Norway, which is why she finished secondary school one year later than normal.In September shell be heading to the Dominican Republic as a volunteer in a new program sponsored by the German Ministry for Economic Coopera

45、tion and Development called Weltwarts, which means Going out into the World, for young people between the ages of 18 and 28 who would like to volunteer in developing countries.Sarah Stotzner considers herself to be a European open to the world. She thinks the DDR jokes that are still being told, for

46、 the most part in Western Germany, are embarrassing.And sometimes its painful to still have to listen to them. In a seminar someone told me I was from Dark Germany, whatever thats supposed to mean, she says.Her parents did not pass on any East-West stereotypes to her. They are attached to their home

47、 but open to the world. The two teachers just returned from a three-year stint in Istanbul.After a one-year stay in the Caribbean, Sarah Stotzner wants to go to university and, if possible, return to Hoyerswerda.The latter will prove to be difficult. Hoyerswerda has hardly any jobs at all, especiall

48、y not for young academics. The citys unemployment rate is almost 20 percent, and it looks even worse among the youth.There are nearly two applicants for every apprenticeship offered. Thats terrible; Hoyerswerda is getting older and older. We young people hardly have a chance here at all, says Sarah

49、Stotzner.Meanwhile evening has fallen. We head across the practically deserted market square toward Ambiente, a small pub with a cool living room-like atmosphere and walls that are painted red.Sarah Stotzner is going to say farewell to her friends. Susi will be flying to Latvia in two days. Candy wi

50、ll be headed to Chile and Christina is going to Canada. Sweet cocktails help to stave off the melancholy of their parting. The graduates sing karaoke to songs by Jennifer Lopez or old Western hits from the days when the wall still stood.Its difficult for all of them to leave Hoyerswerda. Its their h

51、ome, even if the neighborhoods of prefabricated high-rise tenements seem bleak, the list of free-time activities is limited, and several of their friends have already had problems with the skinhead groups that are gaining in popularity.But I grew up here. I will miss Hoyerswerda. There are so many p

52、ositive aspects to the city and the people who advocate for their region. Despite the dismantling of so many things here theres a lot of development as well. Its a pity that the city hasnt been given a better chance at survival, explains Sarah Stotzner.When will Sarah, Susi, Candy and Christine have

53、 the chance to get together again and celebrate? Perhaps at a class reunion in their old hometown. Their new homes will probably be in Munich, Stuttgart, or wherever the unemployment rate is but a fraction of what it is in Hoyerswerda.Find this article at: editionn/2021/WORLD/europe/10/24/germany.ho

54、yerswerda/index.html?iref=newssearch20 years after wall fell, study finds less support for democracyBy Richard Allen Greene, CNN STORY HIGHLIGHTSStudy: Most support democracy over communism in all but one of nine countries But support for capitalism has fallen in all countries surveyed Eastern Europ

55、eans see gap between how they want things to work, how they actually work Just less than half of Russians say it is natural for Russia to have an empireRELATED TOPICS HYPERLINK topics.editionn/topics/Eastern_Europe t _blank Eastern Europe HYPERLINK topics.editionn/topics/Western_Europe t _blank West

56、ern Europe HYPERLINK topics.editionn/topics/Communism t _blank CommunismLondon, England (CNN) - A specter is haunting Eastern Europe: the ghost of Communism past.Twenty years after the collapse of Soviet-backed communist governments across the bloc, symbolized by the fall of the Berlin Wall, support

57、 for multiparty democracy has fallen in almost every country in the region, according to a wide-ranging new study.Majorities still support democracy over communism in all but one of the nine countries in the survey, but only two nations have seen a rise in approval for democracy. And support for cap

58、italism as an economic system has fallen in every single country surveyed.Eastern Europeans do embrace democracy and capitalism in principle, one of the survey directors said, but they are frustrated in practice.They are frustrated with the way democracy is working in their countries, said Richard W

59、ike, associate director of the Pew Global Attitudes Project.They see a gap between the way they want things to work and the way they see things are working.We dont see people saying they dont want free speech, free press or competitive elections; we see people saying they want those things, Wike sai

60、d. But they are unhappy with how things are working out.Russians stand out in some ways in this survey, he said.They are less likely to say certain features of democracy are important, he explained. There is some nostalgia for the Soviet empire.A clear majority of Russians say it is a great misfortu