金融海嘯對銀行財富管理業務的衝擊

Abstract

本篇研究主要在探討金融海嘯對銀行或銷售機構銷售金融商品的影響。究竟銀行理財專員於銷售金融商品時，是站在什麼角度或高度來看待金融商品銷售。投資銀行、銷售機構及投資人的三角關係是如何互動？金融機構的獎金制度所導致理財專員的銷售行為，及其不當銷售行為下造成客訴問題發生。 第一章研究背景概述金融海嘯發生的成因，及各國央行對抗此波金融危機，提振經濟所投入金額情形。第二章文獻探討從財富管理業務在台灣的發展，並以樣本銀行10年來手續費收入占該行營業收入比重情形來看。主管機關也因應財富管理業務的發展，制訂相關法令讓銀行業者依循。 第三章起主要係從金融商品的產品面及銷售面探討財富管理業務受金融海嘯程度，及金融機構財富管理業務的改變。 研究發現銀行的財富管理業務固然受金融海嘯影響甚劇，但客訴問題對未來影響更深遠。

This thesis focuses on how the recent financial crisis affects the sale of financial products by banks or selling institutions. We will analyze different facets of selling process, including the attitude that financial consultants/planners hold when they provide suggestions to their customers, and the interaction amongst investment banks, selling institutions, as well as investors. Besides, we will also explore the bonus system which might lead to improper selling behaviors, which could result in customers’ complaints at the same time. Chapter one focuses on the factors causing the financial distress and measurements taken by central banks all around the world against such disaster, especially the huge amount of capital injected into markets to stimulate the economic growth. Chapter two describes the development of wealth management in Taiwan ,based on the ratio of fee income to total revenue of specified sample banks in the past ten years. Furthermore, we also point out the process that the authorities enact necessary regulation to facilitate development of wealth management. Chapter three will discuss how seriously wealth management business suffers from financial crisis and the change of wealth management operation in product designation and sale condition. In this paper, we find that the profit of wealth management business is impacted a lot; nevertheless, what counts more is the issue of customers’ complaints .