銀行業導入財富管理業務後之近況分析與未來發展方向之探討

After inducting the wealth management service, the recent situation analysis of the banking industry and discussion of the future development direction

曾婉珍

指導教授 ： 林哲群

國立清華大學/科技管理學院/經營管理碩士在職專班/碩士(2011年)

摘要

銀行在金融體系中擔任間接金融的財務角色，因此針對資金管理議題必須妥善規劃，以及時因應存款戶的提領及借款戶的資金貸放需求，並能兼顧銀行風險安全性及獲利率。台灣的銀行在近年來遭逢重大的挑戰：新銀行成立、外商銀行搶攻台灣市場、利差縮小、經濟成長率衰退、產業外移，在這高度競爭的金融環境中，銀行唯有主動求新求變，增加服務內容，提高服務品質，才能在激烈的競爭中戰勝對手。銀行是全球經濟體的運作中心，尤其是信用創造的中心，信用之於現代經濟體來說，如同氧氣之於人一般的重要，當銀行出問題時，所有的事情都會出問題。因此風險議題對銀行業來說並不只是某個邊際因素，而是整個業務的核心。
惟目前因競爭激烈，各金融業者紛紛推出形形色色的金融服務與商品，部分從業人員為了自身利益使用不當話術誘使消費者投資適合度不符或商品架構過於複雜的金融商品，可能使消費者產生資產上的損失。本研究希望能藉由分析目前財富管理業務之現況，瞭解目前財富管理業務導入銀行業後所衍生之問題，並結合政府現行法規之探討，對未來財富管理業務發展之方向提出建議。

關鍵字

財富管理

並列摘要

The banks play the indirect financial role in the financial system, therefore we have to plan the subject of administration of the fund properly to face the needs of consumers, such as deposits、withdraws and loans etc., we should give dual attention to the bank risk and profit rate. Taiwan’s bank met with the great challenge in the recent years: The new bank establishment, the foreign bank assaults Taiwan market, the spread to reduce, the economical growth rate to decline, the industrial offset, in this competes highly in the financial environment, the bank only has strives for to strive for changes newly on own initiative, increases the service content, improves the service quality, can defeat the match in the keen competition. The bank is the global economy operation center, particularly the credit creation's center, the credit in the modern economy, is similar to the oxygen as people, when the banks encounter problems, all matters may have problems. Therefore the risk subject to the banking industry is not only the boundary factor, but also the entire service core. Because of the great competition , the financial entrepreneur promotes various financial service and commodity, some workers pay great attention to own benefits, and put consumer benefits behind, they persuade customers to invest the high risk or complex financial commodity, which may not fit the personality of customers, and possibly causes the property loss to customers. In this research, we hope we can through analyzing the present situation in the wealth management industry to realize and understand the problem after inducting wealth management service into the banking industry, and unifies discussion of the government present laws and regulations, and give some suggestions to the future wealth management service development.

並列關鍵字

wealth management

參考文獻

6.賴紋淑（2007），本土銀行從事財富管理業務之現況與前景探討。國立中央大學財務金融學系碩士在職專班碩士論文。

7.張素綾，（2007），財富管理產業之實務探討。國立中央大學財務金融學系碩士在職專班碩士論文。

New Realities。

(一)中文文獻

1.王仁孚（2001），〈當前困境中台灣銀行業的發展和革新〉。