台灣私人銀行針對高淨值客戶提供多元資產配置、資產保值、節稅等金融服務,正好符合高淨值客戶對財富管理的需求在過去可說是異軍突起地快速成長。然而,自2017年開始經濟合作暨發展組織(OECD)針對稅務資訊進行交換及台灣地區實施反避稅條款,過往私人銀行透過資訊不對稱、國際金融業務分行(OBU)等特殊身份以達到理財規劃之目的都將被打破。因此,本研究即以個人在實務的經驗同時透過深度專家訪談問卷,針對台灣私人銀行 U公司探討私人銀行在此外在環境變化下導致人員流動、競爭優勢式微及差異化消失,繼而如何重新調整銀行策略方針並找出解決方案進而賦予台灣金融業永續價值與效益的提升。並希冀透過此案例撰寫與問題提出,提供台灣金融產業從業人員與管理階層參考與研究之方向。
Taiwan’s private banks growing rapidly which provide high-net-worth customers with financial services such as multiple asset allocation, asset preservation, and tax savings, these are exactly fulfill the needs of high-net-worth customers in wealth management. However, since 2017, the Organization for Economic Cooperation and Development (OECD) has been exchanging taxation information and implementing anti-tax avoidance provisions in Taiwan which will change the competitive advantage. Finally the author sincerely hope that through this case can provide guidance and research directions for Taiwan’s financial industry.