- 學位論文
符合CFP®規範的全方位理財規劃－以蔡姓台商為例
Comprehensive Financial Planning Meet the Norms CFP®－A Case Study of Taiwan businessman Mr. Tsai
摘要
摘要 論文名稱:符合CFP®規範的全方位理財規劃--以蔡姓台商為例 指導教授:鎮明常博士 研究生:謝明信 校院名稱:國立中正大學 系所名稱:企管管理研究所 學位類別:碩士 學年度:103 語文別:中文論文頁數:88頁 論文摘要 本研究架構分為緒論、文獻探討、個案研究、教學指引及討論與建議共五章。研究的背景與動機是針對台灣財富管理市場狀況,去了解臺灣理財顧問認證協會( FPAT )於2003年開始在臺灣地區推動CFP® (CERTIFIED FINANCIAL PLANNER®)這張專業證照,CFP®持證人如何秉持嚴格認證標準4E1R的精神, 提供理財客戶專業的全方位理財規劃的流程與方法,不再是單純銷售商品(Product Push),以現有資源做精確計算及分配於投資理財運用,還要兼顧客戶的投資報酬與風險,以期達到好的財務規劃並實踐人生夢想。 研究結果發現: (一) 全方位的理財規劃不只是一個「理財」計畫,而是從目標的設定、計劃、實行、覆核的整合性過程。 (二) 全方位的理財規劃要從顧客的需求出發,全面性考量各「理財目標」的優先順序、實現時間及需求金額。 (三) 理財規劃不是單純的投資計劃,一定要做好「資產配置」,才不會為達到目標報酬率,而陷入大的風險。 (四) 符合CFP®規範的理財規劃方式,對財富管理業者、理財從業人 員和顧客都有正面及長遠的影響。 關鍵字：臺灣理財顧問認證協會( FPAT ) 、全方位的理財規劃、CFP® (CERTIFIED FINANCIAL PLANNER®)、資產配置
並列摘要
Abstract The study architecture is divided into an introduction, literature review, case studies, guide to teaching and discussion and recommendations, a total of five chapters. The background and motivation for this study is the market situation of wealth management in Taiwan, and to understand Financial Planning Association of Taiwan (FPAT), this organization began pushing CFP® (CERTIFIED FINANCIAL PLANNER®) the professional licenses in Taiwan in 2003. Further, the CFP® holder how to uphold the stringent certification standards the spirit of 4E1R, and provides a comprehensive professional financial planning processes and methods for the financial customers, not just a simple sale of goods (Product Push) only, but accurate calculation of within existing resources and properly applied to investment and wealth management, also take into account the investment risk and reward of customers, in order to achieve a good financial planning and practice their dreams. Study results showed that: 1. Comprehensive financial planning is not just a "financial" plan, but rather from the goal setting, planning, implementation and review, an integrated process. 2. Comprehensive financial planning must from the customer's needs, comprehensive consideration of priority order for each "financial goals", the implementation time and the amount needed. 3. Which financial planning is not a simple investment plan, be sure to do an "asset allocation", so it will not achieve the target rate of return, but into even greater risk. 4. The methods of financial planning which meet the norms of CFP®, for the wealth management operators, finance employees and customers, this has a positive and a lasting impact. Keywords： Financial Planning Association of Taiwan (FPAT), Comprehensive financial planning, CFP® (CERTIFIED FINANCIAL PLANNER®), Asset Allocation