小本經營的微型企業與為台灣經濟發展的主要基礎。近年來受全球金融危機及經濟風暴影響，國際景氣動盪，原物料大漲；國內面臨產業外移、經濟成長緩慢、失業率提升及台灣產業結構與人口結構逐漸改變，產業轉型與升級迫在眉睫，微型企業所面臨的挑戰更大過於以往。針對微型企業，政府提供了一連串的輔助辦法，其中之一為本研究重點:微型鳳凰創業貸款。
本研究探討鳳凰微型企業創業者之人格特質與創業動機是否對創業績效有所影響。採用網路問卷與訪談，以北區、中區、南區、東區與離島五大區符合條件之微型企業創業者為受訪對象，總計發放2500份問卷，有效回收樣本份341，有效回收率為 13.6%，並進一步藉由相關分析、迴歸分析及集群分析，針對研究假說進行驗證。
實證結果顯示，微型鳳凰創業者之人格特質與創業動機具有相關性；人格特質對創業績效有部分影響；創業動機對創業績效也有部分的影響。透過本研究，期望可增加對微型鳳凰貸款者的了解，釐清影響鳳凰貸款創業者之因素，進而對微型企業經營及發展能有所貢獻與幫助。建議後續研究者可擴大研究範圍與更動研究方式，也可納入其他研究變數與構面，比較其中之差異性與可能產生的互動及關聯性，相信對鳳凰微型創業者之特性會有更完整的瞭解。

Small and micro enterprises, the main foundation for Taiwan's economic development, have been affected by the global financial crises and economic storm in recent years. Along with an unstable international environment, slow economic growth, rising raw material costs; external business shifts, changing population structure, imminent industrial transformation, the micro-enterprises are facing unprecedented challenges. Therefore, the government has provided a series of subsidiary arrangements, including the Mini Phoenix Entrepreneur Loan, the focus of this study.
This study explores whether personality traits and entrepreneurial motivations have an impact on entrepreneurial performance. Questionnaires were distributed to qualified micro-phoenix entrepreneurs in five districts (north, central, southern, eastern, and outlying islands) and interviews were conducted. Out of 2,500 questionnaires distributed, 341 responded, with a 13.6% response rate. Correlation, regression, and cluster analyses were adopted to verify research hypotheses.
The empirical results show that the personality traits of micro-Phoenix entrepreneurs are related to entrepreneurial motivation; personality traits have influence on performance; entrepreneurial motivation also has a partial impact on entrepreneurial performance.
This study is intended to increase the understanding of Phoenix lenders, clarify the factors affecting Phoenix loan entrepreneurs, and then contribute to the operation and development of micro-enterprises. It is recommended that future researchers can expand the investigation scope, incorporate other variables, and detect possible interactions to grasp a more comprehensive picture of the characteristics of Phoenix micro-entrepreneurs.

中文摘要 I
Abstract II
目錄 III
表目錄 V
圖目錄 VII
第一章 緒論 1
第一節 研究背景與動機 1
第二節 研究目的 4
第三節 研究流程 5
第二章 文獻探討 6
第一節 微型企業 6
第二節 人格特質 10
第三節 創業動機 15
第四節 創業績效 18
第三章 研究方法 21
第一節 研究架構 21
第二節 研究假說 22
第三節 研究變項之定義與衡量 25
第四節 研究工具與資料蒐集方法 29
第五節 資料分析方法 30
第四章 研究結果 33
第一節 敘述性統計分析 33
第二節 相關分析 42
第三節 迴歸分析 43
第四節 集群分析 47
第五章 結論與建議 61
第一節 研究結論 61
第二節 研究限制與建議 65
參考文獻 68
附件一 問卷 75
附件二 創業貸款申請辦法 80
附件三 訪談整理紀錄 83

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