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    題名: 我國壽險業經營財富管理業務之初探
    其他題名: A preliminary study on wealth management of life insurance firms
    作者: 黃郁穎;Huang, Yu-ying
    貢獻者: 淡江大學保險學系保險經營碩士在職專班
    繆震宇;Maio, Chen-yu
    關鍵詞: 財富管理;銀行業;壽險業;策略規劃;wealth management;Banking;Life Insurance;Tactics planning
    日期: 2008
    上傳時間: 2010-01-11 01:55:23 (UTC+8)
    摘要: 財富管理業務在國外已行之有年,但在台灣,發展財富管理業務僅近十年時間,而台灣有錢人越來越多,根據統計,2005年資產達100萬美元之人數,已由2003年之5萬2千人增加至5萬9千人;加上利率日益下滑,2006年時利率曾降到2.165%左右,民眾逐漸警覺需依靠理財方式增加財富;銀行主要收入也從存放款利差,轉向無風險性之手續費收入,大環境變化使台灣進入發展財富管理之適當時期。

    隨著台灣金融自由化及國際化的腳步,與行政院金融監督管理委員會陸續開放銀行、證券、人身保險業從事財富管理業務,訂下明確遊戲規則,財富管理業務已成為各金融機構爭相搶奪的大餅。

    本研究冀透過金融銀行業相關研究文獻,進行歸納、比較,以分析國內財富管理業務發展現況及趨勢;並歸納銀行業經營財富管理業務經驗,從中找出關鍵成功因素,作為人身保險業經營財富管理之參考,以助擬定人身保險業經營財富管理業務策略。
    Wealth management business have already implemented abroad for a long time. But in Taiwan, the development of wealth management business is just for nearly ten years. According to statistics, there are more and more rich men in Taiwan. The numbers of people who have the assets up to of 1 million dollars in 2005 have already increased from 52,000 to 59,000 in 2003. In addition, the interest rate glided day by day, the interest rate has dropped to about 2.165% in 2006. People needed to rely on the way to manage money to increase their wealth gradually. The main income of the bank is also from depositing the fund profit to having non-risk administrative fees. The big environmental change makes Taiwan enter and develop the proper period for management of wealth.

    With the steps of the financial liberalization and internationalization of Taiwan, Financial Supervisory Commission, Executive Yuan open the bank, securities, life insurance firms engaged in the wealth management business continually. And it dictates the rule of the game. Wealth management business already becomes the pancake that every financial institution grabs.

    This research passes financial banking''s relevant research documents, sum up, and compare to analyze the present situation and trend of domestic wealth management business development. Sum up the experience which the banking administers the wealth management business. Find out the key successful factor of the experience for the life insurance firms’ reference of operating wealth management in order to help drafting the life insurance firm’s wealth management business operating tactics.
    顯示於類別:[保險學系暨研究所] 學位論文

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