探討金融科技趨勢對財富管理之影響：以銀行業為例

論文名稱：探討金融科技趨勢對財富管理之影響：以銀行業為例頁數：73 校系(所)組別：淡江大學國際企業學系行銷組碩士在職專班畢業時間及提要別：109學年度第2學期學位碩士論文提要研究生：簡佳汝指導教授：孫嘉祈博士、林炯垚博士論文提要內容：在金融科技的浪潮下，漸漸影響傳統銀行業的核心業務，銀行業開始相互競爭數位化與科技化的金融服務。面臨變動的全球政經局勢下，銀行業應該如何因應？資產可以完整而且永續的傳承，是財富管理發展的目的，面對銀行業之轉型財富管理人員如何確保自己已準備好迎接金融科技浪潮的來襲本研究論文希望能夠了解目前金融科技對財富管理之影響，面對銀行業正歷經數位應用轉型的形態下如何因應及策略。透過相關文獻探討和專家訪談的方式進行研究，邀請國內各大商業銀行任職的金融從業人員，針對金融科技的發展對於銀行業服務型態及人力需求的轉變提供實務經驗及因應方式。金融科技改變銀行業發展已成趨勢，本研究論文發現，數位化與科技化改變銀行業之財富管理的服務型態及人才需求。銀行業利用行動通訊、大數據分析及機器人理財。用客製化方式，引導財富管理客戶市場動態及投資方向，分析了解客戶財務需求並提供投資組合及建議。在人才培育上需要具備數位科技相關人才，以因應金融科技帶來銀行業所需的創新發展。關鍵字：金融科技、財富管理、專家訪談法

關鍵字

金融科技；財富管理；專家訪談法

並列摘要

Title of Thesis: How Fin-tech trend impact the wealth management Total pages:73 on Bank industry Name of Institute: Executive Master’s Program of Business Administration (EMBA), International Business, Tamkang University Graduate Date: June, 2020 Degree Conferred: Master Name of Student: Chien,Jia Ru Advisors: Dr. Sun, CHIA-CHI 簡佳汝 Dr. Lin,JYONG-YAO Abstract This research paper hopes to understand the current impact of fintech on wealth management.In the face of the banking industry undergoing digital application transformation, how to deal with it? Through research on relevant literature and expert interviews, interviews with financial professionals in domestic commercial banks who ways to respond to the development of fintech for the changes in banking services and manpower requirements It has become a trend for fintech to change the development of the banking industry. This research paper finds that digitalization and technology change the service type and talent demand of the wealth management of the banking industry. The banking industry uses mobile communications, big data analysis, and robotic financial management to customize the way to guide wealth management customers 'market trends and investment directions, analyze and understand customers' financial needs, and provide investment portfolios and recommendations. In the cultivation of talents, it is necessary to have a number of technology-related talents in order to bring about the innovative development required by the banking industry in response to financial technology. Keywords:Fintech, wealth management, Expert Interview