本研究以個案銀行為切入,透過整理信託及銀行公會之各項數據瞭解目前銀行業界財富管理業務發展情形,經由資料蒐集及研究文獻,輔以專家訪談,逐一針對公司內外各項影響財富管理業務發展相關因素進行探討,印證分析推導出本研究論點。並歸納出未來台灣銀行業財富管理業務推動之建議參考。 根據本研究結論,提供銀行業者未來推動財富管理業務之建議如下: 一、 本國銀行業者 1. 政策實施宜具科學檢視思辨精神 2. 客戶信賴優勢宜擴大及善用 3. 內轉理專及投入資源宜增加比重 4. 制度決策流程宜嚴謹訂定 5. 區域經營宜建立輪調制度 6. 利潤中心單位宜賞罰分明 7. 上手機構回饋宜建立公開透明機制 8. 理專銷售流程宜建立標準模式 SOP 二、 外國銀行業者 1. 行銷策略宜審慎評估後施行 2. 業務發展與人才留用考核制度宜均衡思考 3. 業務發展與客戶權益維護宜均衡思考
This paper is intended to study to the banks, through the consolidation of The case bank and The Trust & Bankers Association of R.O.C to learn about the various data banks industry wealth management business development scenarios, through data collection and research documents, interviews with experts, one by one for both within and outside the company, various wealth management business development related factors discussed, proof of the inferred this study points. And the future of Taiwan's banking wealth management business of recommended reference. According to this study conclusions, provide banking the next push the wealth management business of proposals are as follows: Proposal for a local bank 1.Scientific review management effectiveness 2.Increase customer trust benefits 3.Encourage internal transfer mechanism 4.Decision-making process is rigorous, 5.Regional staff wheel adjusted 6.Profit oriented 7.Transparent feedback 8.Sales process standardization Suggestion of foreign banks 1.Marketing strategy to assess carefully 2.Balanced consideration after the purposes of business development and personnel appraisal system 3. Equilibrium on business development and customer benefits