台灣私人銀行之發展策略及探討

摘要隨著時代的變遷，富者越富的Ｍ型社會，金控公司私人銀行部門的掘起，私人銀行所提供頂級富裕顧客的種種服務，也為金融服務創造了年均利潤達35%，遠高於其他的金融服務。截止2003年統計全球私人銀行服務投資管理的資金達2.74,兆美元，根據『亞太區財富報告』台灣2006年擁有100萬美元以上資產的富裕人士約有6.6萬人，比2005年成長了12%，其中擁有資產超過3000萬美元的超富人士約490人，可見私人銀行產業在金融機構位有一席之地且有相當可觀的前景。本研究主要在於建構國內私人銀行業務之經營模式，透過整理了解台灣目前私人銀行的發展業務及現況，並將台灣與目前亞洲區私人銀行業務發展非常蓬勃的新加坡做比較，以找尋出目前台灣私人銀行業務所面臨的困境，最後再探討台灣私人銀行未來之發展及機會，希望可以建構出國內私人銀行最適合的經營模式。

關鍵字

私人銀行:財富管理

並列摘要

ABSTRACT Through the changing our society, the private banking department has become the most profitable sector of financial holding company. The wealth management sectors create 35% annual profit which is higher than other financial service. By the end of 2003, the world wide private banking service has manage the capital over 2.74 trillion USD. According to 2006 Asia wealth report, there are about 66 thousand wealth people with over a hundred million USD asset. It had raised 12% over 2005. Of these wealth people, there are approximately 490 of super wealthy people with total asset over 30 million USD. We can conclude that private banking has become an important and promising sector in financial institute. This research was based on the business model of private banking in Taiwan. By organizing the developing of private banking in Taiwan and comparing the booming development of private banking in Singapore, I tried to find out the difficulty faced in Taiwanese private banking service. I finally discussed the future development and opportunity and tried to build a most suitable business model in Taiwan.