由私人銀行經營模式探討台灣地區銀行業財富管理業務發展

Abstract

本論文透過既有文獻，彙整出財富管理產業發展之起源，並藉由財富管理業務之內容、概念、特性，以及財富管理商品提供的服務範圍，描繪出該產業在經營上之主要輪廓。 同時，探討全球各主要區域及台灣地區財富分布之現況，藉以發掘財富管理業務之必要性與潛在商機。 本研究亦藉由約訪台灣地區銀行業者，針對財富管理業務進行深度訪談；並且以五力分析，將財富管理業務競爭與獲利之現狀，做一精闢闡述。 最後，進一步地根據全球傑出私人銀行之成功關鍵要素，對客戶、產業與政府間之重要議題做實務分析。

Through this paper, a comprehensive review of the existing literature had been conducted and summarized the origin of wealth management industry development, in addition, describing the core profile of industry offering wealth management services by using the content, concepts, features of wealth management business combining with the service scope of wealth management products providers. Meanwhile, this paper also surveyed the current status of wealth distribution in the world's major regions and Taiwan area ,and tried to reveal the necessity and potential business opportunities of wealth management business. Furthermore, this study conducted in-depth interviews with Taiwan's banking industry to discuss their wealth management businesses, and leaving a sincere and incisive comment about current situations relating to the competition and profits of wealth management business via Porter's Five Force Analysis. Finally, this paper performed a practical analysis according to the key elements of success possessed by the global private banks as well as important issues raised among customers, industry and government.