台灣中型銀行財富管理業務經營策略之研究-以 T 銀行為例

論文提要內容: 隨著政府開放銀行成立，台灣銀行業家數快速增加，銀行業面臨放款利差過低，近期武漢肺炎、央行調降利率，造成放款業務風險增加，各家銀行為提升獲利，無一不以無風險的手續費收入為重要來源，各銀行積極推展財富管理業務，對於非金控中型銀行如何在有限資源下運用經營策略，拓展與強化理財業務。本研究的主要目的在探討台灣中型銀行財富管理經營策略，並以個案銀行為例，分析探討其財富管理經營策略並做出策略建議以為其他銀行之參考。研究發現:一、財富管理業務因外在利率降低、債券違約、低價競爭等因素挑戰，銀行應利用自家的資源與優勢，建立其客戶差異化的地位對應;二、因應金融科技趨勢，銀行應設立科技中心開發新客源與新產品提供客戶便利性及降低成本;三、中型銀行理財商品不足，應擴大理財商品範疇，提供客戶多元化理財需求以促成成交增加手續費收入。

關鍵字

財富管理；金融科技；經營策略

並列摘要

With the establishment of the government's open bank, the number of banks in Taiwan's banking industry increased rapidly, and the banking industry faced a spread of lending Low, the recent pneumonia in Wuhan and the reduction of interest rates by the central bank have increased the risk of lending business. In order to improve profitability, all banks have used risk-free fee income as an important source. All banks actively promote wealth management business. Control how medium-sized banks use business strategies with limited resources to expand and strengthen wealth management business. The main purpose of this study is to explore the wealth management business strategy of medium-sized banks in Taiwan. Taking case banks as an example, analyze and explore their wealth management business strategies and make strategic recommendations for reference by other banks. The study found that: 1. Wealth management business is challenged by factors such as lower external interest rates, bond defaults, and low-price competition. Banks should use their own resources and advantages to establish their customers ’differentiated status correspondence; 2. In response to fintech trends, banks A technology center should be established to develop new customer sources and new products to provide customers with convenience and reduce costs. Third, insufficient wealth management products for mid-sized banks should expand the range of wealth management products to provide customers with diversified wealth management needs to facilitate transaction increases in fee income.