| Summary: | 碩士 === 元智大學 === 企業管理學系 === 93 === Abstracts
Recently many banks involve in the new potential market, Wealth management, in Taiwan. Among these banks in the initial stage of wealth management, although they do personally professional financial plans and asset arrangements to achieve different life needs according to different life goals of customers, there is a gap between what they emphasize and what they manage. If the gap is not shortened soon, with their resources and competence, it is hard for the domestic wealth managing banks to compete with foreign wealth managing banks which own global resources and several years’ experience, and therefore lose their customers’ trust.
In order to figure out the entire operation of domestic wealth managing banks, this study use overall framework to discuss current situation of wealth management and the interaction in the framework. Find out potential problems from it, and make specific advices for domestic wealth managing banks to conduct their business.
Objects of the study include all the banks providing wealth management service. The study was accomplished by searching and collecting relative data, interviewing senior and junior financial planner, and supervisor of research department and marketing department who works for domestic wealth management. Make specific suggestion for domestic wealth managing banks from obtained information.
Finally, the study make advices with respect to support system, specialized financial planner system, and the adaptive ability of wealth managing banks respectively.
1. In support system, establish a high quality research team to support the junior financial planner who lacks professional knowledge. Because of alleviating the load of financial planner, they could provide better service quality for more customers.
2. Banks should rearrange financial planners of different quality to form specialized financial planner teams to achieve synergy. Make use of teamwork to develop the spirit of mutual help to share professional knowledge and experience.
3. Domestic wealth managing banks have to build their adaptive ability by adjusting their systems. For example, they could obtain practical ideas to improve efficiency by employee suggestion program and cross department cooperation. In addition, performance appraisal system should be build not only on the goal of making profit but also on integrating the goal of wealth management and customer needs.
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