|其它题名: ||The analyses of wealth management perception and investment practices of medical people|
|作者: ||董瑞家;Dung, Jui-chan|
陳定國;Chen, Ding-guo;婁國仁;Lou, Guo-ren
|关键词: ||財富管理認知;醫師人員;投資實務;理財工具;wealth management perception;doctor personnel;investmentpractice;Managing finances tool|
|上传时间: ||2010-01-11 03:47:03 (UTC+8)|
|摘要: ||配合兩岸多項金融政策及醫療產業合作與開放的可見未來，金融產業百家爭鳴，銀行、壽險、證券公司皆可承做財富管理業務，消費者的選擇眾多，顧客忠誠關係自然不易培養，因此顧客異動頻繁、流動性高，長期以來一直是金融服務業者，在經營上所面臨到的極大難題，對於目標客群的掌握更為應探討與準備的課題。 |
Cooperate to many financial policies of the two sides of the Taiwan Strait ,and the future of the medical industry cooperation and the opening, financial industry is blooming. The bank, life insurance company and the securities company all may make to order the wealth management service. Customer’s choice is numerous, it is not easy to keep the customers’ loyalties. Therefore, the high mobility of customer is always the enormous difficult problem for the financial service providers for a long time. Nowadays, the lessons that have to be studied for managers are grasping the target customer.
The research locks on the high income doctor personnel, due to the medical industry is not a periodic industry, has strong strain capacity to economic’s change and limited impact to the world’s economic sliding . In national construction significant development plan of two sides of the strait, all has long-term and the depth plan to the medical industry.The research is done by the questionnaire survey and empirical analysis, obtains below conclusions :
First, doctor’s background and the wealth management cognition (information source, motive, organization choice) between to present positive and significance. From the research discovery, for the doctor, serviced in “the surgical department”, male, 45.1~60 millions dollars per year income, age in 31-50 years old and above 20 years working experience are the the obvious population statistic variables which have positive and significance with wealth management perception.
Second, the investment practice and the doctor’s background are positive and significance. The research shows that NT dollars deposit is the doctor’s favorite finance tool, and demonstrated doctor’s investment tendency is also conservative. The research also finds that the younger doctor likes to invest in monetary market and discover that married and young doctor likes the investment entity investment.
Third, “doctor''s investment practice” and “the wealth management cognition” are positive and significance. Due to the busy job, they don’t have too much time to manage the wealth by themselves. Therefore, they prepare the children’s education fund and retirement fund since they are young because of the uncertainty of future.