本論文探討地方農會服務功能運作之模式分析，在提出新思維方面，共計有三個主要內容，分別為因應「殯葬管理條例」通過，提出農會與其策略聯盟；重新界定農會信用部的角色，不僅以扮演金融中介角色為滿足，更要進一步解決農民的問題；提出改革農會信用部的長遠做法。而在建構數學模式方面，分別為提出結合旅遊業與農特產品的優惠，藉以提升農會經營能力；另外，提出農會替代中間商角色，避免農民受剝削，建構一個以消費者剩餘及生產者剩餘加權平均最大化的模式，經由本文之探討，共計得出以下五個主要貢獻。 (1) 率先於「殯葬管理條例」通過後，提出農會如何結合殯葬業生前契約的商品，並進ㄧ步提出策略聯盟的做法，為農會提供一個從外在環境改變下，異業結合的經營架構，提供了農會經營的新思維。 (2) 率先從金融機構傳統中介角色功能出發，提出新經營思維，農會信用部不應只以存放業務中介角色自我定位，透過真正解決客戶問題的角色，更緊密結合農會與農民的關係，提升農會的功能。 (3) 率先提出農會信用部更積極改革方向，跳脫現有四大部門的框架，從規模經濟與專業經營角度出發，在不影響農民權益下，重新架構農業金融系統，是一個較長遠的改革思維與做法，在這個新思維下，農會不再經營信用部，卻享有信用業務專業經營後的利潤，更能將資源投注農會推廣與供銷功能的發揮。 (4) 率先從國內旅遊業興起的趨勢，思考農會如何運用在地的優勢結合旅遊業，發展策略聯盟並進ㄧ步架構一個結合旅遊業及農產品銷售的數學模式，得出在特定條件下，給予一些折扣能提高農會的收益與利潤，有助於農會的經營能力提升。 (5) 率先從農會功能出發，指出農民遭受中間商剝削的事實，並進ㄧ步提出農會替代中間商角色，消除農民被剝削現況，且進ㄧ步使用消費者剩餘與生產者剩餘加權平均最大化的觀點，建構一個數學模式，並求得最佳解。 This thesis is an analysis of the facilities operation model offered by local farmers’ associations. Three major types of new thoughts are addressed, including the strategic alliance between farmers’ associations and mortuary service providers, the redefinition of the role of credit departments at farmers’ association with the aim of solving issues faced by farmers instead of acting solely as a financial intermediary, and the proposal of long-term solutions to reform credit departments at farmers’ associations. Mathematical models for the collaboration between the tourism industry and marketing of agricultural specialties to enhance the business operation of farmers’ associations are developed. Also, a model for maximizing the weighted average of consumer surplus and producer surplus is constructed. The aim is to substitute farmers’ associations for middlemen and minimize the extent of exploitation middlemen exert on farmers. The discussions of this thesis make a total of five major contributions:
1.This thesis proposes that farmers’ associations create strategic alliances with mortuary service providers following the enactment of the Mortuary Service Administration Act through posthumous mortuary service contracts. Given the changes in the external operational environment, cross-industry alliance offers new thoughts on the operation of farmers’ associations. 2.This thesis proposes that credit departments at farmers’ associations no longer establish themselves solely as a financial intermediary for taking deposits and extending loans. Instead, credit departments should seek to offer solutions to the issues faced by their clients, to create a closer working relationship between farmers’ associations and farmers, and to enhance the functions performed by farmers’ associations.
3.This thesis proposes a more proactive approach to the reform of credit departments at farmers’ associations that breaks away from the current four-department structure. It is suggested that the agricultural financial system be restructured from with regard to economies of scale and the need for professional management while ensuring that farmers’ rights and interest remain intact. According to this new thought, farmers’ associations will no longer be responsible for the direct management of credit departments. Instead, they will share the profits made by a professionally managed institution offering credit service to farmers. These profits will then be invested back into farmers’ associations for them to better perform their supply and marketing and promotional functions. 4.This thesis proposes that farmers’ associations form strategic alliances with the emerging domestic tourism industry by using local features and specialties. A mathematic model for the combination of marketing and selling of agricultural products to tourists is developed. Research results found that offering price discounts under certain conditions would help to improve earnings and profit and contribute to better management capabilities at farmers’ associations. 5.This thesis points outs the fact that farmers are subject to exploitation from middlemen and proposes that farmers’ associations act as a substitute for middlemen to eradiate exploitation. A mathematical model is constructed to arrive at an optimal solution for maximizing the weighted average of consumer surplus and producer surplus.
