| Summary: | 碩士 === 國立中央大學 === 財務金融學系在職專班 === 106 === According to the Financial Consumer Protection Act, financial consumers need to fill in a “Risk Tolerance Questionnaire” whenever they purchase risky investment products from banks, securities firms, investment trusts, and insurance companies. The“Risk Tolerance Questionnaire” of Taiwan’s financial institutions usually focusing on the age, education, income, investment preferences and experience of investors, and the purpose of investment. Some investors falsify the answer to the questionnaire resulted in distortion, due to buy products that exceed their own risk levels.
In recent years, Behavioral Economics and Behavioral Finance have become new famous theory. Personality traits will affect individual investment preferences. If personality or Behavioral Finance can be applied to the “Risk Tolerance Questionnaire” design, it will be more accessible to investors. Financial institutions can also use big data to analyze the preferences and attributes of their customers and improve customer satisfaction. In addition, the supervision can also reduce the cost of handling financial claims. That will achieve a win-win situation.
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