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.