『財富管理』(Wealth Management)是近幾年來台灣個人金融服務市場上成長最快速的業務之一,即便在消費金融業務量萎縮以及傳統企業融資金融市場經濟利潤蒸發的情形下,『財富管理』仍呈現二位數成長,但想要在這個市場上取得優勢,勢必需要新的商業模式及能力。 本研究的首要目的即是希望透過嚴謹的研究方法,從台灣金融產業的價值鏈與未來發展趨勢角度,來分析與探討台灣金融產業『財富管理』市場發展的競爭優勢,並且希望就業者的市場經營模式、規模、策略等方面進行廣泛的資料蒐集,加以歸納整理、分析,尋找出產業發展的競爭優勢,藉以提供具體之產業發展策略與建議,供我國既有業者以及未來欲加入者參考。 根據本研究之結論,我國金融產業未來發展「財富管理」市場的方向與做法,可歸 納如下: 1.改善金融法規,建立有效金融監理機制,並加速進行公股銀行民營化時程。 2.金融市場自由化,提供各種租稅優惠配套措施,引進國外高端金融專業人才與金融機 構進駐國內。 3.提高研發投入,採「創新」與「多元化」競爭策略,追求利潤。 4.加速金融機構整併,朝創造產業經濟規模(追求市場佔有率)與發揮經營綜效發展。 5.積極拓展中國大陸與全球華人金融市場,促進金融國際化。 6.強化金融資訊整合系統。 7.建構台灣成為國際金融中心。
The business model of Wealth-Management(Private Banking) is one of the fastest growing up business in recent years in Taiwan financial service market. With the trend of merger and internationalization, the financial institutions run the financial business broadly and flexibly and lead the bank affairs becoming the best competitive among the banks. Domestic merger and acquisition activities is base on the trend of development for the larger commercial bank and to become universal banking. The primary objective of this study is to analyze the competitive advantages and performance of〝Wealth-Management〞business model in Taiwan. According to the conclusions of the study, the directions of future development of 〝Wealth Management〞business can sum up as follows: 1.Improve the financial regulations, to set up a free financial market. 2.To offer the favourable supplementary measure of various kinds of taxes,to introduce foreing financial institutions and high end professional people into Taiwan market. 3.Raise the input of R&D in financial field. 4.Acclerate merger of the financial institutions, to pursue the occupation rate of market. 5.To promote the financial internationalization. 6.Strengthen the S.I.(System Integration) and I.T.(Information Technology) of financial system. 7.To build up Taiwan becomes international financial center.