本論文採用哈佛式個案撰寫法，陳述個案銀行長期以來配合政府政策支持創業貸款，惟創業貸款較一般貸款資金需求及規模較小、作業程序規範較繁瑣，且新創事業財務結構相形脆弱因此風險較高，故分行承作意願較低。因此，個案銀行歷來推行創業貸款成效不佳。2020年8月，政府為減緩新冠肺炎疫情造成之經濟惡化，匡列600億元青年創業貸款額度，並要求個案銀行協助推行。個案銀行要如何改變現今分行對於青創貸款較低的承作意願，協助政府改善青年創業環境並提升國家競爭力?
本論文描述個案銀行改變創業貸款的以往策略，透過簡化申請書及作業流程以及新訂定只獎勵不懲罰的「全員拓展激勵措施」，成功改善青創貸款的推行成效，讓個案銀行僅於4個月內幫助了1,500多戶中小企業。藉由本個案擬定策略推動創業貸款的過程可用於討論薪酬理論、組織靈巧性、資源拼湊理論及公私協力理論等相關議題。透過本個案的探討，可以讓創業者了解創業資金融資的管道並讓金融從業人員清楚自身的責任與定位，有效提升創業成功率，進而增提升國家整體競爭力！

The case study applies the HBS case method. It states that the case bank has been cooperated with policy of supporting entrepreneur loans. However, comparing with normal corporates, startup businesses are smaller in scale and thus with less financing needs. Besides, entrepreneur loans have higher risk for banks due to fragile financial structure of startups. Thus, the branches of the case bank are less intent to offer entrepreneur loans and make it ineffective to promote. In August 2020, the government had allocated 60 billion budgets for young entrepreneurship loans and required the case bank help offering these loans in order to stimulate the economy damaged by Covid-19. How did the case bank increase the low intention of its branches to offer entrepreneur loans?
The thesis states that the case bank changed its strategies of offering entrepreneur loans by a simplified application process and a reward-only compensation policy. The improvement successfully raised the intention of branches of case banks to offer entrepreneur loans, and effectively made the case bank provide financial supports to over 1500 small and medium enterprises in just four months. We can discuss compensation theory, organizational ambidexterity, resources bricolage, and public-private collaborative theory via the strategic change process in this case. By discussion of this case, entrepreneurs can know the ways of start-up financing and bankers can recognize their responsibilities and positions. Therefore, it will increase the rate of success of start-ups and make the whole country more competitive!
Key Words: Compensation Theory, Organizational Ambidexterity, Resources Bricolage, Public-Private Collaborative.

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