海峽兩岸財富管理差異與規範探討

Discussing the Norm and Difference of Wealth Management Across the Strait

吳郁玲(Yu-Ling Wu)

指導教授 ： 鄒建中

朝陽科技大學/管理學院/財務金融系/碩士(2011年)

摘要

論文摘要 　　在低利差時代，財富管理業務幾乎是大小金融機構爭食的大餅，它引領著國內銀行生態的變遷，金融從業人員也由傳統給人高高在上的感覺，變成要和客戶-博感情的經營，而藉由財富管理所收取的手續費，當真為金融業的萬靈丹? 那可不一定，在2008年的金融風暴，造成投資人巨額損失，相對也產生大量的客訴與申訴案件，大家突然看到風險了，也警覺到法令對金融機構及其從業人員並無規範效果，而投資人對其投資標的也無把關能力，造成當時社會景氣低迷，惟一切都有代價的。 金融監理機關對於財富管理之相關商品種類、推介金融商品的法律地位、受託義務的內涵、利益衝突的避免、適當性的要求、和過量交易的禁止等等…乃針對國內法規的不足，輔以修法來保障全民權益，並由金融機構透過內部規範來調整有不當行為之員工。 本論文分五章，茲簡述如下: 　　首先介紹金融機構對於屬於財富管理客層面之定義，並說明職場規範，再則提供相關法令，讓財富管理內容趨於完整，理財商品與制度面簡介，熱門議題-ECFA . MOU對兩岸金融業之影響為何 ? 臺灣的優勢在那裡? 本研究除了對於自律規範、客戶權益、法定訓練等，有所介紹比較外，中國之 十二五 計劃，對於我們有何影響? 於文後也有簡要說明。 　　關鍵字：財富管理

關鍵字

財富管理

並列摘要

Abstract

In the era of low interest margin, the business of wealth management has almost becomes the target market for all financial institutes. It leads domestic banks environment changes as well as financial professionals. They change their attitude from traditional concepts to customer orientation. Charging fee for wealth management is one of the profit sources in the bank. However, it is not sure whether the fee to be panacea for the bank or not. It caused investors huge losses in financial crisis in 2008. Consequently, many customers complain had happened at the same time. Due to these events, government found out that the low couldn’t regulate financial institutes and their staffs. Moreover, the investors did not have ability to check their investing subjects. The phenomenon leads to the economic slowdown at that time.

Financial supervisory authority should modify law to protect investors’ interest according to the insufficient part of the laws and regulations, such as financial products, promote financial instruments, the content of trustee’s responsibility, conflict of interest avoid, adequacy requirement, and excessive trading prohibition and so on. In addition, the financial institute can against misbehavior staff through internal normative.

The study has five chapters. First of all, it will address the definition of the wealth management and normative in the industry. Secondly, the relative laws are provided in order to make the content of wealth management completely. Next, the researcher will introduce the financial products and their system. And then, the topic of the influence of ECFA and MOU between Taiwan and Mainland China and Taiwan’s advantage will be discussed here. Besides the issue of Twelve-FIVE years plan effects Taiwan will briefly explored later.

Key word : Wealth Management

並列關鍵字

Wealth Management

參考文獻

6.林奕彣(2009) ，財富管理業務制度之研究，淡江大學保險系研究所，碩士論文。

4.陳怡儒(2008) ，選擇財富管理商品消費者行為之研究，成功大學經營管理研究所，碩士論文。

8.張素菱(2007) 。財富管理產業之實務探討，中央大學財務金融學系碩士論文。

参考文獻

一. 中文資料