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Pascu, Vasile Alin <1991>. "Evoluzione del wealth management: i robo advisor." Master's Degree Thesis, Università Ca' Foscari Venezia, 2020. http://hdl.handle.net/10579/16773.
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La crescita di strategie passive nell’asset management, i cambiamenti nelle preferenze dei
clienti e l’innovazione tecnologica stanno favorendo la nascita di start-up che si occupano
di robo-advisory.
L’idea di base del seguente elaborato è quella di indagare se le strategie adottate dai Robo
Advisor sono in grado di creare valore per gli investitori comuni e di individuare i possibili
sviluppi futuri.
Nella prima vengono individuati i principali operatori a livello globale e successivamente
viene descritto in modo dettagliato come operano i Robo Advisor.
Nella seconda parte invece, vengono analizzate le performance dei principali operatori
rispetto al mercato.
2
Hennig, Jochen. "Kooperative Wertschöpfungsmodelle in der asset management und wealth management Industrie : Implikation /." Bern : Haupt, 2007. http://aleph.unisg.ch/hsgscan/hm00201069.pdf.
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Cummine, Angela. "A citizen's stake in Sovereign Wealth Funds : the management, investment and distribution of sovereign wealth." Thesis, University of Oxford, 2013. https://ora.ox.ac.uk/objects/uuid:5c3b8fa7-768e-445f-b4f1-54297dca9582.
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Over the past five years, Sovereign Wealth Funds (SWFs) have become a prominent phenomenon in contemporary capitalism. Described as government investment vehicles that invest state wealth in financial markets, the majority of the world's 60-plus funds have been established since the year 2000. Despite extensive treatments of SWFs' geopolitical and international significance, ethical and domestic level analyses are sparse. In response, this thesis interrogates three key normative questions raised by the funds for the domestic citizen-state relationship: (1) How (and by whom) should sovereign funds be managed? (2) How should sovereign wealth be invested? (3) How should the earnings of sovereign fund investment be distributed? In answering these questions, this thesis aims to dispel ambiguity over the ownership status of sovereign funds, evident in popular and academic discourse and within communities that establish these entities. For this task, it draws on recently revived fiduciary theory of the citizen-state relationship to argue that the rightful owner of these funds is the citizenry - not states or governments who enjoy physical and legal possession of SWFs. It goes on to examine the implications of this fiduciary state conception of SWF ownership, asking how citizen-owners should enjoy control over and benefit from the distinct constituent parts of their SWF property: the institution of the fund, the underlying sovereign wealth and the financial returns earned on the investment of its assets. The model of citizen ownership defended demands substantially increased popular control over SWF management and the investment of sovereign wealth, as well as direct benefit rights for citizen-owners to fund income through individualised distribution of investment returns. Examination of existing practice among SWFs demonstrates that this normative ideal is far, although not impossibly distant from current institutional practice.
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Diewald, Sascha. "Neukundengewinnung im Wealth Management : strategische Erfolgsfaktoren im Akquisitionsgeschäft /." Frankfurt, M. : Frankfurt-School-Verl, 2007. http://d-nb.info/98575561X/04.
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Smith, Anita. "Power, work and learning in private wealth management." Thesis, University of Leicester, 2012. http://hdl.handle.net/2381/27775.
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The main thrust of this study argues that failure to account for the notion of power in considering learning in social contexts—like a working environment—inevitably presents an incomplete and unrealistic account of how learning actually is. Literature suggests that mainstream scholars and theorists have arguably pushed issues regarding the inter-connectedness of power and knowledge to the peripheral—resulting in both a paucity of theoretical coverage and empirical work on the subject. Through an interdisciplinary approach, this study takes inspiration from Foucault’s conceptualization of power—argued to provide a useful analytical framework for exploring power. Implications on how power impacts on learning in a contemporary workplace is viewed through the key ideas of ‘situated learning in communities of practice’ (Lave and Wenger). This study proposes that Foucault’s conceptualizations of power—regarding power as being relational and interconnected to knowledge—allows for a useful analytical framework that can sensitize our efforts towards understanding the power effects of knowledge with regards to learning at, and through, work practices, ultimately enabling us to re-work the concepts of ‘communities of practice’. The context of this study represents a professional knowledge-intensive workplace—Private Wealth Management (also referred to as Private Banking). Such contemporary work contexts—suggested to represent rather different environments vis-à-vis craft-like professions, for example—are argued to represent a more complex, conflicted and competitively-induced platform for learning. The wider regulatory environment was found to have strong influences in shaping the learning environment, representing both opportunities and restrictions for the bankers. Assessment based, compliant-driven and structured-training efforts were key drivers of the learning environment. Social interpersonal skills and professional relationships were observed as being integral and found to involve elements of power inequality, both within and across boundaries to which participants mediated, negotiated and often times obfuscated to effect power shifts through their discursive practices. Skills and perspectives, with regards to learning, evolved as the banker’s career trajectory progressed. Power punctuated not only the social network of relationships, but was also noted at the organizational level, via both explicit and implicit controls. Participants described purposeful thoughts and actions: mediating learning and strategizing outcomes in the respective environments with conflicted identity that requires balancing self, belongingness and directed efforts towards meeting the expectations of organization, respective clients and self.
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Go, H. G. "Dynamic sampling methods for long term wealth management." Thesis, University of Cambridge, 2007. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.599449.
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In finance dynamic stochastic programming traditionally has been applied to institutional pension fund problems and more recently has become usable for more difficult individual wealth management problems. We develop several models to handle specific wealth management issues. We develop a US investment model with an exact tax basis and a rudimentary tax qualified portfolio. We show the ability to solve this model with up to 48 stages in 10 asset classes using an exact tax basis by approximating the solution employing information constraints. For fewer stages we show tractability of solving the full model with at least binary branching at every node of the scenario tree. We also introduce a mortgage model to investigate the effects of interest-only mortgages and their maturity. Modelling maturity selection as a binary decision variable, we find that the interest-only components of a mortgage are of interest when a borrower has a low income initially but expects it to grow. We do not consider the case of investors taking such mortgages to increase their leverage. It is noted that solutions may not be representative of all possibilities because the models reach an upper limit in terms of solvable problem sizes with currently available computing power. Expected value of perfect information (EVPI) calculation capabilities have been added to a modern solver. Given that aggregation is used to decrease solution times of such models we implement for the first time a disaggregator to allow calculation of EVPI subproblems without rereading the problem considered from disk. Aggregation is also found to increase solver speed applied to EVPI subproblems, especially after we reorder nodes. Sequential EVPI importance sampling is shown to be effective for the models introduced here and results improve drastically when mean matching of sampled scenarios is added. We successfully attempt to automate tuning for these algorithms by introducing percentile-based zero thresholds and adjusting these automatically when their current values are found to cause EVPI to fall.
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Ellett, Andrew. "Portfolio management toward optimal consumption and terminal wealth." [Bloomington, Ind.] : Indiana University, 2005. http://wwwlib.umi.com/dissertations/fullcit/3162278.
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Leone, Daniel. "Der Wealth Management-Teamleiter im Spannungsfeld von Leadership und Management : Erfolgsfaktoren und Entwicklungsdimensionen /." Bern ; Stuttgart Wien : Haupt, 2005. http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&doc_number=014907760&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA.
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Brusa, Francesca. "Essays on the pricing of financial and human wealth." Thesis, University of Oxford, 2016. https://ora.ox.ac.uk/objects/uuid:e001c2bb-e8f6-4c0a-abef-e3254201ea32.
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This thesis presents three empirical analyses on the systematic risk exposure that global and domestic asset holders face. Each paper investigates a distinct source of macroeconomic risk, but they all stem from the premise that holding human capital and financial assets is risky. This ultimately affects agents' optimal consumption choices. The first paper, The International CAPM Redux, proposes a novel empirical model to price international assets. Building on recent advances in asset pricing research on currency markets, it documents that investors are compensated for bearing exposure to currency risk when investing in foreign equity, either directly or via delegated portfolios of international assets. The second paper, One Central Bank To Rule Them All, shows that while global investors demand a premium to bear risks associated with Federal Reserve decisions, there is no comparable result for other major central banks. This puzzling finding points to the uniqueness of the Federal Reserve for global investors, that does not simply stem from the size and importance of the U.S. economy. The third paper, Human Capital, Unemployment Risk and Asset Prices, relates the riskiness of human capital to uncertainty in the labour market and documents a role for unemployment as a determinant of human wealth. Sorting U.S. industry-level portfolios by differential exposure to unemployment risk yields a novel cross-section of average excess returns. High risk-premia are consistent with less income-constrained highly educated workers willing to take financial risk beyond hedging their labour income risk. Taken together, these three studies contribute to the empirical asset pricing literature and open the door to further theoretical and empirical research in the field.
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Rüegger, Severin. "Wealth Management in China Market Entry Strategies of Foreign Entities /." St. Gallen, 2007. http://www.biblio.unisg.ch/org/biblio/edoc.nsf/wwwDisplayIdentifier/03601861001/$FILE/03601861001.pdf.
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Traff, Jason D. "The future of the wealth management industry : evolution or revolution?" Thesis, Massachusetts Institute of Technology, 2016. http://hdl.handle.net/1721.1/104548.
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Thesis: M.B.A., Massachusetts Institute of Technology, Sloan School of Management, 2016.<br>Cataloged from PDF version of thesis.<br>Includes bibliographical references (pages 72-77).<br>Like many service-oriented industries before it, the wealth management industry is facing changing demographics, regulations, and technologies. This thesis examines the major trends impacting the industry, namely regulations and technology, to see where the industry is headed.<br>by Jason D. Traff.<br>M.B.A.
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Lai, Ji-Hong, and 賴季宏. "Wealth management factor model." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/9wa4q4.
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碩士<br>國立中山大學<br>財務管理學系研究所<br>97<br>The research aims to combine various quantity models to set up a working platform that can apply to the wealth management business, including the analysis of product’s return, reflection of investors'' idiosyncrasy and construction of investment portfolio, building a succession of procedure hope to become the standard of the work.
Regarding constructing the model, the style analysis, Black-Litterman Model and risk budget three quantitative method were adopted for three major pillars of wealth management factor model to disassemble the return of funds, allocate the assets and optimize manager structure. The materials range is from 2003 to 2007, use style analysis to disassemble the return of 115 funds that sell in Taiwan into 14 index. Incorporate investor''s expectancy of market performance and suggest the assets allocation by Black-Litterman model. Join 14 index funds and 14 enhance index funds, carry on the disposition of the optimizing manager structures with the risk budget to determine the suggested fund portfolio finally. By selecting the funds with best total return in the past year forms the contrasting portfolio to compare the investment style of portfolio and characteristic of return with the models.
Finding in the experience, contrasting portfolio is superior to suggested portfolio in active return only, both portfolios are similar in total return. In further consideration of the trade-off effect of return and risk in both portfolios, the suggested portfolio of the model is better than the contrasting portfolio either in IR or in Sharpe Ratio. In addition, if investors choose funds on the basis of total return, it may cause the style of whole portfolio too centralized throw the total risk in high level.
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Lee, Ta-chung, and 李大中. "Wealth management in security Industry." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/09604426204872123374.
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碩士<br>逢甲大學<br>經營管理碩士在職專班<br>96<br>This research expected to find that the securities how to stride into the wealth management business. It based on the materialization research-orientation and basic analytic hypothesis taken form SWOT system.
The results are there’re three main factors for the securities stride into the wealth management︰the customer relations﹐the talented person specialized knowledge and law open﹒Finally, we tried to make some suggestions about the law limitations for the securities and the government.
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Hsu, Hsin-Fegn, and 許鑫峰. "Case and Thought of Wealth Management." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/35590265906087648212.
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碩士<br>崑山科技大學<br>企業管理研究所<br>102<br>This study is to explore the process of "Financial Thoughts in Modern"by the way of "Teaching Cases". Deeply explore the correct financial concepts and"all in one step" financial planning methods. Collecting and classifying the information ofcases for explaining the concepts of financial planning above. The main purpose of this teaching case is to analyze the procedurefromcognition and practice of financial planning.
This study divides into two sections. First, the main context of case study. Second, the discussions and conclusions of case study. This paper contain four mini cases, it is applied within 80 minutes discussion. Theintroduction for this case: the demand, necessary and environment of financial planning, and indicate the results consistent with the expectation of the target. Each case with indicating the financial management methodsand provides the performance improvement in processing the cases. And experiencethereal life much more in learning. After the cases study’sdiscussion to present the spirit ofcases teaching.
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Liu, Chien-Tzu, and 劉千資. "The Case Study of Wealth Management." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/95442291807180469565.
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碩士<br>崑山科技大學<br>企業管理研究所<br>102<br>This study uses interview to understand the client’s family status, physical health status, insurance status, individual deposits and the present value of housing. First, we prepare case’s balance sheet and comprehensive income statement. Second, we accord the main goal in life of the case, using wealth management software which involving compounding theory to measure the current financial status of the case and simulate the client's funding gap. Third, we apply questionnaire survey method to understand the client's attributes of investment and risk aversion, and then propose different protect proposals, such as reducing the amount of housing, reducing the amount of travel, delay the time of buying house and car. We focus on the solution which the case is willing to accept and to perform. Finally, the case can achieve the goal of financial freedom.
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Lien, Shu-Lan, and 連淑蘭. "Wealth-management Behavior among Elderly Consumers." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/43483635269121876726.
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碩士<br>臺灣大學<br>經濟學研究所<br>96<br>The main purpose of this study is to investigate the wealth-management behavior of the elderly people in Taiwan. Through a quantitative survey of 171 samples for the elderly consumers of the bank A in 2007, we have got the following findings:
1.People with “negative” personality characteristics do not prefer to depend on word-of mouth information to make investment decision.
2.Risk-bearing attitude and life style are the key variables to affect elder consumers’ familiarity with financial products/services, sources of professional information, word-of-mouth information, investment intention, and investment confidence.
3.Variables such as gender, age, occupation, marriage status, financial-preference attribution, and investment duration etc. have no effect on the wealth-management behaviors of the elderly consumers.
4.Education background and residence region are the key demographic variables to affect elder consumers’ wealth-management behaviors.
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Liu, Mei-Chih, and 劉美智. "A Study on Deciding Personal Wealth Management ：Evidence from the Wealth Management Customers of Banks in Taiwan." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/35020661300804323468.
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碩士<br>國立中正大學<br>高階主管碩士在職專班<br>98<br>Wealth management shall be a well devised financing plan using varied, yet practical investment tool, under the control on the sound basis, to achieve one’s ultimate goal. In general, the spectra of the goals are diversified depending on one’s situation, ranging from the ambitious asset investment to the educational program for children, the retirement arrangement, wealth accumulation, property devise etc; all of which considering risk management. In a word, all plan and action should be evaluated on the basis of one’s tenability in financing status, risk insight as well as his perception in family subsistence, in order that the investor might organize reasonable investment set to appropriately suit the current monetary market, for achieving the ultimate goal.
The conclusion of the subject investigation was reached on the basis of the queries, totaling three hundred ninety three (393) copies, age of the respondents ranging from 20 thru 69 years old. The queries manifest that wealth pursuance is the common interest of the respondent, irrelevant to their ages. In regard to wealth control through banking system, the investors mostly encompass the seniors, age from 50 thru 69 years old, implying the wealth accumulating capability enhances as a person become more and more experienced. Further, the investigation clearly indicated that the group of self-asserted management with risk well minimized, prevailed that others, which are speculating and, genuine conceptual in their action in investment.
In summary, the wealth management client keep a steady pace moving toward the practice of self-asserted control over his investment plan, disregarding their shortness of capability in risk insight. Under this particular situation, they should divert their investment from highly risky monetary market to a system flexible in cash flow handling, rather than high risk for high return. Nevertheless, the similar approaches are equally applicable to the financing organization on risk assessment of their client, so as to avoid the unfavorable situation, to the client, and eventually the financing organization.
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LEE, CHIA-JUNG, and 李佳蓉. "A Study on the Customized and Differentiated Wealth Management Services Influencing the Satisfaction of Wealth Management VIPs." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/p29udx.
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碩士<br>世新大學<br>資訊管理學研究所(含碩專班)<br>107<br>The purpose of this study was to explore the customized services, differentiated services, introduced by wealth management VIP clients, and customer satisfaction status of wealth management services, and to explore their relationship and influence. For the purposes of this study, this study adopted a questionnaire survey method and used bank wealth management customers as research objects. A total of 500 questionnaires were sent out, 471 were recovered, and the effective questionnaire recovery rate was 94.2%. The analysis method includes descriptive statistical analysis, differential analysis, correlation analysis and multiple regression analysis, and the data is analyzed and tested by SPSS statistical software. The study found that, In terms of customized services, differentiated services, introduced by wealth management VIP clients, and customer satisfaction, most respondents are positive. Respondents' age, educational level, and individual annual income had some significant effects on differentiated services, introduced by wealth management VIP clients, and customer satisfaction. In related and regression analysis, there were significant positive correlations between customized services, differentiated services, introduced by wealth management VIP clients, and customer satisfaction. In regression analysis, customized services were positively impact customer satisfaction, and differentiated services It were positively influence customer satisfaction, but introduced by wealth management VIP clients were had no regulatory impact on customer satisfaction for customized services, and also had no regulatory impact on customer satisfaction for differentiated services.
It was hoped that the results of this study will provide a basis for future wealth management services to launch new product marketing strategies.
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Lo, Chun Ping, and 羅君萍. "The New Profiting Models on Wealth management." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/27147694917910132495.
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陳建達. "Exploration of Wealth Management in Taiwan’s Banks." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/87947650445727561537.
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碩士<br>大葉大學<br>事業經營研究所<br>92<br>ABSTRACT
Exploration of Wealth Management in Taiwan’s Banks：It is very difficult for the masses to chase excess profits from deposit saving since the interest rate has been cut more than ten times for past four years. That means the official declaration of the coming of “Era of Low Margin”, so to speak personal “Era of Wealth Management Profit” as well. It brings a great change in the financial environment, for instance, the interest spread between conventional deposits and loans failed to meet the satisfactory outcome for the banks. In addition, more and more overdue loans and irrecoverable loans are getting to be, which deepen the hardship to run the banks. As a result, the business of wealth management comes with the tide of fashion. Recently, such kind of business flourishes among the reinforcement of finance and safeguard companies. According to the situation stated above, the thesis tries to put emphasis on the research and analysis of representative banks in the business of wealth management. And the main subject of the research is the honored guests who need financial management. During April of 2004, those financial planners, serving in China trust, Taishin bank, the First bank in Taichung County, Taichung City, Changhua County, Yunlin County, and Natu County, come to take charge of the random sampling to the honored guests. With those financial planners’ help, the research probes into the interactive relationship between customers’ personal attitudes and the banks. According to the study of industry image, service quality, performance effects, etc, we are getting thoroughly familiar with the characteristics of each bank and the need of customers, then we will take the information as the guide to enhance our competitiveness among banks in the field of wealth management. In the other hand, via the interviews among those administrative departments, in front consultants and financial planners, it brings more comprehension for the personnel how the strength, weakness, opportunity, and threat works in dealing with the transaction of wealth management. The research could be viewed as reference when the banks run their business of wealth management. Finally, the dissection of banks’ organizations in this thesis could offer referential or optimal options for the banks to choose.
Key words:
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Chang, Mei-Hua, and 張美華. "ANP Applied to Service Quality Wealth Management." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/74887865922184435902.
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碩士<br>國立東華大學<br>高階經營管理碩士在職專班<br>98<br>The wealth management has always been the most important part for banking businesses. However, with more and more severe competition, the service quality has become a critical factor for success. Therefore, a growing number of researches now focus on the service quality assessment for wealth management business. In present, there is not only a lack of objective method to assess but also has less discussion on the influence by different roles. For theses reasons, this study aims to construct a more objective model and integrate the opinions from the customer, financial advisors and relative government units. We apply the concept of GC and the method of analytic network process (ANP) to develop the model. The method of analytic hierarchy process (AHP) also used in comparing the differences of two models. The findings of this study can provide a reference in improving the service quality in the wealth management business.
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CHAO, AI-LIN, and 趙艾玲. "Ecurities Wealth Management Facebook Page Keyword Analysis." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/00096932598508226446.
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碩士<br>世新大學<br>財務金融學研究所(含碩專班)<br>104<br>This study analyzes articles and comments among netizens from 16 financial planning/wealth management focused fan pages to explore critical interactions between these fan pages and their members via research methodologies such as Text Mining.
Starting from the attributes of fan pages, we found that even with overlapping participants, there is very low similarity among prevailing key words across 4 major types of fan pages according to Chi-square Test analyses. In addition, there is a significant linear correlation between types of articles published on fan pages and TSE index, suggesting that the number of articles published increases as market performs better. Those fan pages aim to promote their respective proposition and philosophy whenever the market is relative active.
Further analyzing the characteristics of the netizens, a difference in investment key word selection was identified between those who participated in contests offering prizes and the overall participants. When analyzing the linear relationship between these key words and Google Tread, TSE index, and trading volume, a negative correlation was found between topic/trading-centric keywords and trading volume. The research also indentified a negative correlation between key words such as “security”, “ETF”, “insurance” and the trading volume, suggesting that when market is relative more active, the discussions on these key words on fan pages becomes quieter.
The results of the study indicate that, the higher TSE index is, the more comments and articles on the fan pages will be. Administrators from these fan pages can leverage these opportunities to interact with netizens by increasing the number of article published. When the trading volume is low, netizens present their anxiety and pay special attention to their investment. They tend to leave more comments on the fan pages and search for relevant key words more actively. A recommendation to security brokerage companies to manage their fan pages is to analyze the key words used in comments and articles, together with multiple external variables, trading information of derivatives, to indentify individual customer’s preference, and to promote their product and service more efficiently.
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Lin, Yi-Wen, and 林奕彣. "The research of wealth management sale system." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/09738610856525541223.
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碩士<br>淡江大學<br>保險學系保險經營碩士在職專班<br>97<br>The disputes of sales of personal wealth sometime to be heard; even personal wealth management has growth booming recently in Taiwan. The man reason which leads to disputes due to the system of wealth management is designed toward sales volume. The consequences are the bank to make profit but the trust of customers to the bank is lower from time to time. This consequence has become serious negative impact of future wealth management industry. This thesis is try to find a key factor which will help for positive development of wealth management.
By over view the concept and practice of wealth management within domestic and oversea. The differences of domestic and oversea can be summary as:
1.Different on management system: the domestic bankers are more rely on codes to regulate employee’s conducts and performances; oversea banks are more rely on notions management that employee to reach sales target by honor.
2.Different operation orient: the domestic bankers more focus on sales volume; the oversea bankers more focus on the process during wealth planning; the financial products are one of additional interest of whole wealth management process.
3.Different objective on sales: The domestic bankers more focus on process/handling fee it leads customers’ interests are in incomes by financial products. The result is short term relationship between banks and customers. In contrast; oversea bankers are focus on long term relationship with customers, hope to increase or diversify sales to increase profits.
4.Different on income source: Domestic banks are only rely on commission on sales of financial products but oversea bankers are rely on consulting fee of making a wealth management advising mainly, the commission fee is secondary.
In order to push health development on wealth management industry; this thesis suggests domestic bankers can work on below areas:
1.Bankers should take responsibilities of educating customers; build up the concept of “users must pay”.
2.Build up core value of wealth management by turn around the evaluation critical from focus sales volume to manage the process of sales.
3.Provides wealth management gold on all aspects to customers; not depend on each single financial product.
4.Build up long term wealth management relationship; not short term sales of financial products.
5.Build up core value and culture of banks; not only relay on codes and evaluation system.
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SHIH, MEI-WEI, and 施美微. "Wealth Management Planning: Case Study of DINK." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/5h6j7t.
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碩士<br>崑山科技大學<br>企業管理研究所<br>107<br>The word " DINK " has appeared in Taiwan society for some time. In recent years, there has been an upward trend in the DINK population under the fertile issue. This study uses case interviews to understand the family financial status of the client and use Keys Wealth Management Software to prepare the case’s family balance sheet and annual income and expenditure statement. After communicate with the client through the interview to prioritize the financial goals and protection goals of the life expection, consider the time value of money, and use the Keys wealth management software to set the inflation rate, the salary growth rate, the free savings rate and the planned savings rate, to simulate the current situation and the funding gap that of the case which will face in the future.
In addition, the risk attribute test questionare filled by the caser will understands the risk attribute and risk level of the caser, and proposes a proposal for adjusting the use of funds for the client, such as adjusting the use of funds for the elders' donation , and adjusting the purchase of the house area to reduce the house budget from 6.5 million to 5.2 million, reduce the annual self-help travel budget, reduce the car purchase budget , adjusting the age of the house purchase and the age of the car, adjust the retirement age to 65 or stay at 60 and get back retirement fund once used. At last CFP will finally communicate with the client about the financial planning plan that he is willing to implement. He expects the financial plan to assist the client to achieve a financially free happy life.
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Tung, Yu-sheng, and 董裕生. "The Relationships among Wealth Management perception,customer satisfaction,customer loyalty and customer Relationships Management performance~The Case of S Bank Wealth Management." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/54838134647184984761.
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碩士<br>立德大學<br>國際企業管理研究所<br>98<br>With the global subprime crisis stirred up a huge financial crisis, 98 years of recession and national emergency, according to real needs of shrinking global economic growth rate was revised downwards. Although the world's major economies for joint rate cuts, governments and central banks massive liquidity injection, start all kinds of fiscal and monetary measures to stimulate the economy, as well as China, India and other developing countries, sustained economic growth momentum, the first half of the market is a significant lack of confidence However, the national economy as the main return temperature, with the majority of central banks easing monetary policy, encouraging the world's major stock markets tend to surge, to 98 by the end most of the stock market index has returned to levels before the Lehman Brothers bankruptcy.
This study further explore how the S bank wealth management services through increased satisfaction, customer loyalty customer relationship management improve future operating performance, to achieve a multiplier benefits it produces the motivation of this paper.
The purpose of this study are:
1, To discuss wealth management services, the relationship between
perception and customer satisfaction
2, Cognition and wealth management services to discuss the relationship
between customer loyalty
3, To discuss customer satisfaction and customer relationship management,
the relationship between performance
4, Customer loyalty and customer relationship management to discuss the
relationship between performance
5, To discuss wealth management services and customer relationship
management cognitive performance relationship
6, To discuss understanding of wealth management services through customer
satisfaction mediate the relationship customer relationship management
performance
7, To discuss wealth management services through customer loyalty cognitive
impact of customer relationship management intermediary relationship
between performance
Based on a descriptive analysis to understand the characteristics of the sample, then SPSS statistical analysis software, wealth management services to various dimensions of cognitive satisfaction, customer loyalty and customer relationship management, performance analysis, the evidence shows cognitive services - financial management professional, service quality, and facilities sites will be positively influenced by customer satisfaction; wealth management awareness of the various dimensions of customer loyalty, based on empirical knowledge that services - financial management expertise, service quality, and facilities premises, a significant positive affect customer loyalty. Wealth management services through customer satisfaction awareness (CS) mediating effect of customer relationship management Performance of empirical results is indeed a mediating effect, especially in S Bank to strengthen the wealth management services in particular to form (CRMP); wealth management services through awareness Customer Loyalty (CL) mediating effect of customer relationship management Performance of empirical results is indeed a mediation effect, in particular, S Bank to strengthen the wealth management services in particular to form a customer relationship management performance (CRMP).
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SHIAU-SHING, CHEN, and 陳効新. "A Study on the Key Factors of Wealth Management –The Case of Wealth Management Competition for College Students in 2013." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/9g9q9u.
Full textAbstract:
碩士<br>崑山科技大學<br>企業管理研究所<br>102<br>The main purpose of this study was to understand the association between " financial literacy", "wealth management goal setting "," core competencies of wealth management "and" the difference between practice and theory in wealth management " . We collect 546 questionnaires in " 2013 National College Wealth Management competition ". Regression analysis empirical results show that "financial literacy " has significantly positive effect on "wealth management goal setting", "core competencies of wealth management "and" the difference between practice and theory in wealth management ". "Wealth management goal setting " has significantly positive effect on " core competencies of wealth management " and " the difference between practice and theory in wealth management ". " Core competencies of wealth management " has significantly positive effect on " the difference between practice and theory in wealth management". We hope the findings may provide each university or college faculty to develop educational content of wealth management and teaching reference of wealth management.
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Huang, Chen-Yuang, and 黃振遠. "A Study of Discussing Key Elements of Wealth Management Process and Learning Performance- College Student Wealth Management Competition in 2014." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/ncx5ht.
Full textAbstract:
碩士<br>崑山科技大學<br>企業管理研究所<br>102<br>ABSTRACT
The purpose of this study is to understand that whether "the specialization of advisors" can affect Taiwan college students’ "financial literacy", "wealth management goal setting "," wealth management core competencies "," the difference between wealth management practice and theory" and "learning performance"? Secondly, this study want to test the relationships among " the specialization of advisors" ,"financial literacy", "wealth management goal setting "," wealth management core competencies ", "the difference between wealth management practice and theory". We collect 748 samples from " 2014 National College Wealth Management Competition". Our empirical results show that " the specialization of advisors-security and futures" has significantly positive effect on " financial literacy", "wealth management goal setting-social insurance " and " wealth management core competencies". "the specialization of advisors-financial planning" has significantly negative effect on "wealth management goal setting-social insurance " and " the difference between wealth management practice and theory". "the specialization of advisors-insurance activities" has significantly negative effect on " financial literacy", "wealth management goal setting-family protection and commercial insurance planning ", " wealth management core competencies" and " the difference between wealth management practice and theory".
"Financial literacy" has significantly positive effect on "wealth management goal setting-family protection and commercial insurance planning ","wealth management goal setting-social insurance "," wealth management core competencies" and " the difference between wealth management practice and theory". Both "wealth management goal setting-family protection and commercial insurance planning " and "wealth management goal setting-social insurance" have significantly positive on " wealth management core competencies" and " the difference between wealth management practice and theory". Where, the effect of "wealth management goal setting-family protection and commercial insurance planning " on " wealth management core competencies" and " the difference between wealth management practice and theory" are high on other variables. " wealth management core competencies" has significantly positive effect on " the difference between wealth management practice and theory".
"The specialization of advisors-insurance business" and " the difference between wealth management practice and theory" have significantly negative effect on "whether the team can enter the finals". "Financial literacy" has significantly positive effect on "whether the team can enter the finals". Both "whether team has consultant advice " and "whether the team use financial planning software" have significantly negative effect on "whether the team can enter the finals". "the frequencies of consultant advice" has significant positive effect on "whether the team can enter the finals". We hope the findings may provide various wealth management consultants and university or college faculty to develop educational content of wealth management and reference of wealth management teaching.
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Pei-Yun, Chung, and 鍾佩芸. "Data mining in classification of customer value in wealth management - empirical results from a wealth management issuing bank in Taipei." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/hf25za.
Full textAbstract:
碩士<br>輔仁大學<br>企業管理學系管理學碩士在職專班<br>103<br>Wealth management with characteristics of low risk and high profits has become the mainstream product of banking industry in Taiwan after the financial market was hard hit due to huge losses of credit card and cash card business.
The purpose of this study is to investigate the feasibility of classifying customers into event customers and transaction records using three commonly adopted data mining techniques, namely, discriminate analysis, artificial neural networks and decision tree. In order to demonstrate the effectiveness of the three proposed approaches, classification tasks are performed on customer values in wealth management dataset from one local bank in Taipei.
Analytic results demonstrated that decision tree outperform traditional discriminant analysis and artificial neural networks approaches in terms of classification accuracy and misclassification costs and hence provide efficient alternative in predicting customers’ pattern of customer values in wealth management.
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林冠廷. "The Sales and Customer Relationship Management Research of Wealth Management Business." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/9kbvya.
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Lin, Tsai Chi, and 蔡季霖. "The Wealth Management Business Evaluation and Analysis by Customer Relationship Management." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/38751463772314962663.
Full textAbstract:
碩士<br>國立臺北大學<br>國際財務金融碩士在職專班<br>94<br>In the last few years, Taiwan face local economic environment growth slowly and loss risk control management in financial banking market problem. Add on more the local financial market in Taiwan had existed over competition for a long time, the most local banks suffered huge loss of bad loan in the last decade, About the foreign banks in Taiwan only suffer little impact for huge loan and in coverable business debit, because major business focus on personal consumer loan and personal financial investment. That’s why local bank adjusted banking sales manager direction by financial holding company integration since 2000. So local bank began learn and revolute business direction by the growth experience example from foreign bank of consumer banking business. To reset up business focus on personal consumer business and personal financial investment business. Because local bank still too focus on high interest margin by loan product business, even local bank and holding group adjusted cross business form 2000 to the first half-year in 2005. Local banks still happen too rely on high margin product, credit operation risk loss control and over competitive in personal loan to cause the consumer behavior miss and over expanding credit in personal consumer market. From 2005 to 2006, local consumer market create over consumer spending and credit expanding to cause social moral change and in coverable debit to damager all the personal consumer banking business in Taiwan. So each bank holding company adjust new management direction to focus on wealth management center and aggressive to build up in each important branches, in an attempt to increase business revenue.
Base on wealth management business management and development style, local bank rely on expanding overseas private banking experience to research how to enforce customer relationship focus and evaluate manage business performance. Actually the marketing thesis of customer relationship management already make up the common interesting subject by the scholar and industry, the subject purpose was build up, develop and maintain the long term benefit relationship. This study research purpose are focus on customer relationship management points and customer’s self side to discuss wealth management customers self recognition and understand, satisfaction, trust, commitment, and to explore their influences on customers’ future intentions. Based on the Relationship Effects Model of Crosby and Stephens（1987）, overall satisfaction is a function of satisfaction with the contact persons, satisfaction with core service, and satisfaction on the institution. So this study is the first employs a Crosby and Stephens（1987） three satisfaction components in an attempt to construct a successful model of the banks ' wealth management service, at the same time we add on two more trust relationship factors of institution and financial products to clarify customer satisfaction key factors and possible focus. These satisfaction components are not yet discussed by researchers in the field of banks’ wealth management service in Taiwan.
Rely on the successful questionnaire survey of 253 VIP customers in several banks’ wealth management service departments in Great Taipei area, analysis results reveal that the two components of customers self recognition and expectation to contact persons and financial products are significantly; the three components of satisfaction influence trust and commitment significantly, which significantly affect both customers’ referral and their propensity to leave. We also support that trust and commitment are two keys mediating constructs in this research. Although this study is simply exploratory in nature, it should have some contributions for relationship marketing research. Finally some of the implications of these findings and directions for future research have been presented.
Keyword: Trust, Commitment, Satisfaction, Customer Relationship Management, Private Banking, Wealth Management Center.
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Lin, Kuan-Liang, and 林冠良. "Wealth Management Case Study - Bank Insurance Agents Views." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/jpmr85.
Full textAbstract:
碩士<br>崑山科技大學<br>企業管理研究所<br>102<br>This case study focusesonintroducingbank insurance agent.Bankfinancialplanner executes financial planning for banker’s customers. Through a case interview, we carry on wealth management planning. First, we should really knowthefamily background of case family, how to set financial goals (short-term, medium and long-term goals), collection data and analysis of assessment and diagnosis, planning proposals and implementation plans, at last, track results and follow-up services. Financial planning of Bank financial planner for bank customers should be follow up "demand-oriented" principle, tailor-made for the customer demand, and take into account the investment risk preference, age, purpose of investment, the size of the amount of investment, Special financial planningand portfolio which should full compliance with the customer demand. Finally, financial planning and wealth management plan should to achieve the wealth target according to customerslife cycle.
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Chang, Chen-Pin, and 張振斌. "Enhance Elderly Wealth Management Based on Reverse Mortgage." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/psutkw.
Full textAbstract:
碩士<br>國立高雄應用科技大學<br>金融資訊研究所<br>102<br>The problem of population aging and low birth rate in Taiwan has exerted huge financial pressure on the nation, If the elderly spend their saving, they cannot maintain a subsistence level of life, thus, the Reverse Mortgage (Aging at Home) has been implemented in the US and Japan for many years, Through a Home Equity Conversion Mortgage annuity, upon the concept of "installment payments, once repaid", the value of the home can be used on healthcare, family livelihood, house repairs, domestic tourism, and expenditures to solve the dilemma of cash shortage, Moreover, debtors are not required to pay the loan until they pass away or move, which is when they would transfer ownership of the house to the loaner. Therefore, the elderly can enjoy their retired life at home. In summary, the Reverse Mortgage elevates the retirement income replacement ratio and ensures the economic security of the elderly.
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Chin-TsungChen and 陳慶宗. "Banking Wealth Management Strategy after the Financial Tsunami." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/60812392952790428038.
Full textAbstract:
碩士<br>國立成功大學<br>高階管理碩士在職專班<br>98<br>In 2008, the world faced a rare financial crisis. Many foreign banks closed as a result, causing a huge impact on liquidity of derivative commercial products and enhancing risk of default. A large number of investors in Taiwan, inevitably, suffered enormous financial losses in this crisis. Moreover, many investors have cast doubts on banks and bank-borne financial products since then. And many disputes/distrust arise between investors/customers and banks.
Since 2000, Wealth Management has burgeoned and become a crucial sector to the growth of bank business. But, many departments concerning financial management/control were downsized as well as a great deal of financial staff members were laid off in the aftermath of the financial tsunami, rarely seen in a century-period of time.At present, financial products are also reduced to certain categories only, such as traditional insurance and fund products while other products, like structure notes and derivatives are put into scrutiny for reviewing their structures and design.
On the other hand, having followed the profit in 2009, Wealth Management, however, is still the mainstay source of bank profit and will continue to play a leading role in future. Besides, a large sale of domestic insurance, insurance products and funds are all indicative of the flowing-back of customers. Judging from this phenomenon, this paper aims to deal with the change/difference in bank management, financial products, personnel area and marketing in post-financial tsunami. Also, through the in-depth interviews with three high-ranking bank staffers, this paper gains precious findings in current wealth management strategies in such fields as charge-gained-profit increase, self-regulation/supervision norms, risk management and professional competence. And these findings can provide either banks or financial institutions with reference for planning vistas of running business.
As far as security and stability concerned, Wealth Management should meet custormers’ needs rather than create cumstormers’ demand. Furthermore, Wealth Management of a bank should be reviewed from not only the merits of its counterpart but also the fundamental approach within itself. Take the client assets for example. Based on the analysis of re-examining previous client assets transaction, merely 20% customers contribute to 80% Wealth Management of a bank.
After the financial tsunami ,banks change their business model and marketing strategy could not only survive after this finance tsunami and tough slack but increase their market share and we believe that wealth management industry in Taiwan will molt by severe competition in 〝Post-wealth management era〞.
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Hsu, Chien Hui, and 徐千惠. "The Investment Tools vs. Inflation for Wealth Management." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/96853057760820635586.
Full textAbstract:
碩士<br>淡江大學<br>財務金融學系碩士在職專班<br>95<br>The core idea behind the wealth management market is to help retail investors create asset allocations that do not decline in value and that maintain wealth, thereby allowing the planning of asset allocations that are worry free during retirement. It is also an investment instrument to counter inflation of commodity prices. This paper studies several diversified investment instruments, including academic and actual financial tools that can be used to counter inflation. The more effective financial instruments to deal with inflation and deflation will be derived after collation and analysis. In other words, this analysis will include those instruments with a return on investment that keep pace with or exceed the expansion of a business cycle and rising commodity prices and that limit the impact from a recession and falling commodity prices. In this way, the investment market can prevent the negative effects from expansion or recession during a business cycle, realizing the investment goals andefficiency of “maintaining value and assets” as part of wealth management, and providing a guide to investors in making their decisions on asset allocation.
In recent years, most scholars have used vector autoregression (hereafter referred to as the VAR) method to discuss the relationship between investment instruments and the overalleconomy. For example, Hondroyiannis and Papapetrou (2001) investigated the dynamic interaction during 1984-1999 between crude oil prices (monthly data) and the entire index, discovering that crude oil prices had a negative impact on the industrial production of Greece. Lee, Huh and Harris (2003) used effective GDPs during 1959-1996 and (seasonal) data on average international oil prices to discuss the impact of crude oil price and survey the impact from the U.S. and Japan on business cycles in Australia, finding that the impact of crude oil prices on Australia was greater during the long term than during the short term. The study finds that oil prices did not only have a direct impact on the economy of Australia, but over the long term exerted an impact resulting from overseas output. This paper finds that the aforementioned empirical study wasn’t factored into “an analysis on variance of forecast error” regarding the changing relationships among the variables. That is, it did not examine to what extent a certain variable is affected by the variance of forecast error from other variables. This paper analyzes in the VAR system those unexpected variations (innovation) of the overall economic index that can best influence the forecast variation of investment instruments, and further seeks differences in interpretive ability of investment instruments regarding the overall economic index. Furthermore, this paper does not attempt to study the dynamic interaction of variables over the long term, but instead examines various periods of business expansion and recession, the factors between various investment instruments and the overall economy and whether discontinuities exist in the supply of data.
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Yang, Lih-Fen, and 楊麗芬. "Development of Wealth Management Banking InnovativeChannels in China." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/48719528952689051440.
Full textAbstract:
碩士<br>國立臺灣大學<br>商學研究所<br>94<br>Wealth Management Banking is the mainstream and future growth engine in Asia Pacific Consumer Banking market. As we have foreseen huge opportunities, there are challenging competition ahead. What is the Blue Sea Strategy?
The thesis is to review Taiwan Wealth Management Banking industry and its channel development and to analyze its successful and failure critical factors. We have studied the major innovative channel models in many European and Asian countries. Based on all the facts, we in Taiwan have developed a successful alternative distribution channel model, which we are going to duplicate it into the China market.
Branch-banking is not the only distribution channel for Wealth Management Banking business. The objective of the thesis will focus on introducing the brand new mobile branch model, which will eventually look for a multi-party winning strategy: corporate, client, and employee. In addition, we particularly emphasize the importance of integrated marketing campaign and standardized process to ensure its success.
We have seen difficulties of utilizing branches to create competitive advantages and act as a key differentiator in the broad China market. As a result, an innovative and effective channel model might be the critical factor to determine the final contester.
In conclusion, we are providing an alternative strategic thinking reference for financial industry to expand the Wealth Management Banking business.
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Vale, Rita Silva do. "Wealth management in Africa: the cape verde opportunity." Master's thesis, 2015. http://hdl.handle.net/10362/15354.
Full textAbstract:
This work project consists of a comprehensive study of the possibility of opening a Wealth Management (WM) firm located in Cape Verde (CV), and was made at the request of NovoBanco’s Research Sectorial team. WM is a growing industry that consists in the set of financial services provided to wealthy clients. After taking into account the expected industry growth of the Sub-Saharan region, the preferences of the African wealthy, the current industry structure, and the advantages and disadvantages of locating a WM business in CV, it is concluded that a business opportunity exists. The reasons for thus, along with relevant recommendations, including which services a new business should offer and whom to target specifically, are presented in the final section.<br>UNL - NSBE
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Hung, Yu-Hui, and 洪于惠. "The application of the trust in wealth management." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/86894975208428382714.
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Yang, Huei-An, and 楊惠安. "The Foreign Currency Asset Allocation in Wealth Management." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/28021720074697063657.
Full textAbstract:
碩士<br>國立交通大學<br>管理學院碩士在職專班財務金融組<br>97<br>In a world of global village, international investment has become a trend. In Taiwan, we can invest in stocks of the United States, policies of the United Kingdom and currency deposits of the South African. NT dollar is no longer the only currency in asset allocation of wealth management. Holding foreign currency assets not only preserve the value of assets, but also diversify the investment plans and increase the value of wealth. Wealth management can be divided into inshore and offshore aspects. Inshore wealth management provides clients of domestic products and services; offshore wealth management provides clients of offshore products and services. In this paper, foreign currency financial products introduced are all available in the domestic financial channels .By foreign currency asset allocation; the overall return on assets may be increased. The purposes of this study are listed as follows: First, to analyze of the wealth management market, second, to explore the common characteristics of foreign currency products, third, to study the steps and practices of foreign currency asset allocation, fourth, to understand the risk management and the laws of foreign currency asset allocation. Investing by asset allocation should regularly review the performance and financial demand. If the financial situation changes, we should adjust the financial targets and re-plan asset allocation to ensure that the financial target is reached.
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Chi, Liu Chun, and 劉俊奇. "A Case Study of Wealth Management Business Strategy." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/84135027285822721702.
Full textAbstract:
碩士<br>輔仁大學<br>金融研究所<br>95<br>Taiwan’s market of wealth management has unlimited potential. A report by Mckinsey&Company in the 2006 indicated Taiwanese kept on accumulating their fortune. Four years ago among the population of 23,000,000, 500,000 people had their wealth worth 3,000,000. By the end of this year, the number of wealthy persons would be 740,000, and will grow to a million by the year of 2010. At that time, the scale of wealth management will expand itself to a NTD 100 billion business. Also shown in Merry Lynch （2006）, globally there are 88,600,000 people with their asset worth a million US, and 27.1% of them （Individuals with a 1 million asset excluded from real estate for personal use are qualified）are from Asian and Pacific markets, and Taiwanese accounted for more than 60,000 of them, with annual growth rate of 6% to 7% consecutively, a strong evidence of huge potential in the future market of Taiwan’s wealth management.
Facing the incoming trend of wealth management, it will be an important subject for the industry to acquire the characteristics of competition strength to ensure long run advantage. To look back, there are few documents to present domestic strategies facing the competition of wealth management. So our study is focused on Taiwan’s leading banks in this business and working them through deep interviews and sub data collections to understand how they adopt effective strategies to stand out. Besides, those ones’ employees will be showing their perspective of views in wealth management’ SWOT analysis to provide some reference for decision making. Some ideas and point will also be extracted for how in the future banks run their businesses of wealth management.
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Yeh, Hsueh-ping, and 葉雪萍. "A Case Study of Wealth Management Value Creation." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/79800441582311820767.
Full textAbstract:
碩士<br>國立臺灣科技大學<br>財務金融研究所<br>99<br>Had been seen as the high threshold of wealth management assets, standards, after the huge impact the financial crisis, the State Bank, foreign banks have lowered the threshold are to attract high net worth customers withdrawn from circulation; foreign banks to expand wealth management customers, will also be Branch set up a base for locking the essence of the metropolitan area locations. Taiwan's government cut the inheritance tax, coupled with progress in cross-strait relations, so that large number of assets, nearly a year increase in repatriation of funds. Based on high demand financial management and wealth management business as the banks compete for business development, creating the concept of fee income, suddenly became Premier Banking Bank of innovation model to replace the traditional key players spread income from foreign private banking customers respect top Rong civilian financial management services to the embodiment of noble service, low-threshold high-service users meet cultivating small large, the first upgrade program for existing customers, the small change big families, and to provide diverse and large a more top-up hard to provide services.
Bank of cases in 2009 / 6 opened to the 2010/12 total of 19 months, profit and loss, which amounts to two levels, and continued to profit, profit factor of the extract the following conclusions:
Positioning from the trading center of a branch into financial advisory services, renovated premises for an extension of the existing wealth management brand image, provide customer service and the popular warm threshold, so that customers really feel the financial management is one of the ways to enhance life.
Second, product strategy, focused primarily on various types of asset allocation, and product features to distinguish the risk of property, depending on customer risk tolerance system customized financial planning. Strengthening wealth management, diversification of product lines and improve the quality of financial services.
Three of professional education and training to strengthen financial officer, deepen financial officer professional level and the establishment of the proper norms of professional ethics and discipline
Four groups according to differences in classification of customer property, implementation of the Focus business, cultivating the ground customers, strengthening consumer brand impressions.
Five customer relationship management with clients to establish long-term relationship of trust. Increase customer loyalty and viscosity, and create a relaxing stress-free space, create a strong link with the customer. Increase the frequency of contacts in order to strengthen customer relationships.
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Chu, Mu-Hui, and 朱木輝. "Wealth Management Business in the Life Insurance Industry." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/11603199686413803072.
Full textAbstract:
碩士<br>國立中央大學<br>財務金融學系碩士在職專班<br>100<br>Although the life insurance industry can offer wealth management services, according to the regulation, the life insurance companies can only sell life insurance products and domestic funds which do not meet the needs of high net worth customers, no matter the qualification of the wealth management is obtained or not. Therefore, the wealth management business in the life insurance industry is still not effectively expanded.
The definition of wealth management business in this study is providing wealth protection, wealth accumulation, and wealth transfer services to the high net worth customers. From the Relative Income Hypothesis, the Prospect Theory, the Path Dependence Theory, etc., this study examines the importance of life insurance in the psychology and decision-making behavior of high net worth customers. In addition, from a case study of the life insurance industry, this study makes some suggestions in the following directions.
1.Business model advice
1.1.Niche market: Aim at the customers with asset size more than NT $ 30 million.
1.2.Business strategy: The dual-track of relationship manager and consultant team, the enterprise value, emphasis on asset transfer planning.
1.3.Product strategy: Discretionary investment-linked insurance.
2.Act revision suggestion
2.1.Provide a clear legal regulation for the referral commission.
2.2.Develop the laws and regulations of the Private Placement Insurance.
2.3.Allow the life insurance industry to run the trust business.
3.Research recommendation
Suggest to do further empirical research on the high net worth customers and behavioral finance.
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Royden-Turner, Stuart Jack. "Asset allocation in wealth management using stochastic models." Diss., 2016. http://hdl.handle.net/10500/22129.
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Modern financial asset pricing theory is a broad, and at times, complex field. The literature review in this study covers many of the asset pricing techniques including factor models, random walk models, correlation models, Bayesian methods, autoregressive models, moment-matching models, stochastic jumps and mean reversion models. An important topic in finance is portfolio opti-misation with respect to risk and reward such as the mean variance optimisation introduced by Markowitz (1952). This study covers optimisation techniques such as single period mean variance optimisation, optimisation with risk aversion, multi-period stochastic programs, two-fund separa-
tion theory, downside optimisation techniques and multi-period optimisation such as the Bellman dynamic programming model.
The question asked in this study is, in the context of investing for South African individuals
in a multi-asset portfolio, whether an active investment strategy is signi cantly di erent from
a passive investment strategy. The passive strategy is built using stochastic programming with
moment matching methods for non-Gaussian asset class distributions. The strategy is optimised
in a framework using a downside risk metric, the conditional variance at risk. The active strategy
is built with forward forecasts for asset classes using the time-varying transitional-probability
Markov regime switching model. The active portfolio is finalised by a dynamic optimisation using a two-stage stochastic programme with recourse, which is solved as a large linear program. A hypothesis test is used to establish whether the results of two strategies are statistically different. The performance of the strategies are also reviewed relative to multi-asset peer rankings. Lastly, we consider whether the findings reveal information on the degree of effi ciency in the market place for multi-asset investments for the South African investor.<br>Operations Management<br>M. Sc. (Operations Research)
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Yang, Chao-Sheng, and 楊朝盛. "The Impact of FinTech on Banking Wealth Management." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/hmxq2p.
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碩士<br>國立臺灣科技大學<br>財務金融研究所<br>106<br>FinTech is a fiery word in recent years, it is an abbreviation of Fin （financial）and Tech （technology）. When the traditional financial industry encounters a technological industry that are full of innovative breakthroughs, people are wondering that what kind of sparks will they create worldwide? A lot of people in those two industries are interested in follow-up developments while the traditional financial industry is also actively responding and preparing. Traditional bank is no longer a place people go regularly, but something they do on a daily basis. The father of global bank innovation Brett King, believes that traditional banks can no longer just be used as fixed business bases and the financial service spindles. However, people also need to mention financial services through various means, such as Internet & Mobile Banking Applications, which provide customers 24 hours of uninterrupted diversification and convenient services. Peter Drucker puts a slogan "innovate or die", to imply the danger that the banking industry is in the short term when the market is incredibly competitive. Although there will not be a completely disappearing situation immediately, but if innovation is not continued, it will only results in the gradual loss of customers, and eventually it will still moving toward merges and acquisitions or disappearance of actual banks.
This article mainly discusses the development of financial technology, how the bank's wealth management industry is affected by it, and how it has its own different development status. This research also talks about the current wealth management fee income, and one of the important income sources of various banks. The interviewed case company and its internal senior executives are discussing the impact of current financial management on the company’s wealth management business. The key issues of the company’s development of Robo-Advisor, strategies and future plans are being analyzed with concrete suggestions.
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Lee, Ming-Tsang, and 李明倉. "Cross-industry financial wealth management behavior of consumers." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/5t98da.
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碩士<br>臺中技術學院<br>事業經營研究所<br>98<br>Abstract
Banking industry in the past been the main source of profit comes from deposits and lending interest differential. However, recent bank deposit and loan interest reduction makes the difference can no longer rely on commercial banks to obtain operating profit at high interest differential benefits. And then shift the focus will be consumer financial interest to seek another high interest bad business receipts. Thus contribute to the management of cross-industry financial wealth was born. Cross-industry financial wealth management business in such a context, and the progressive development of attention.
Wealth management has become a key project of Taiwan''s financial industry. All financial institutions should fully understand the ecology of competitors, and think about Taiwan''s financial industry in a competitive situation, the competitive landscape strategy should be adopted. Motivation of this study hope to cross-industry consolidation in the financial institutions prevailed, wealth management into the mainstream of the financial industry. Identify cross-industry management, consumer behavior, financial wealth, in order to explore the market to provide cross-industry, the success of the financial wealth management strategic planning.
This study will use China, Germany and France, k-means clustering algorithms and variance analysis was used to examine cross-industry financial wealth management consumer behavior.Samples of cross-industry database of financial wealth management through China, Germany and France divided into four clusters suitable for analysis. Followed by k-means clustering algorithm to identify cross-industry, consumer finance investments to wealth management, investment and the highest proportion or the better performance of the subject matter. Re-use analysis of variance test whether each cluster of significant differences in the underlying investment. If significant differences are that the results for its clustering brought as a cross-industry financial wealth management consumer behavior, the other hand, said they did not fit.
The results showed that cross-sector financial wealth management customers, the most favorite investment target for the stock investment, funds, insurance planning and bonds. Foreign exchange, trust, futures, linked debt and derivatives relatively not so welcomed by consumers.Financial Commissioner may sell for this phenomenon as a cross-industry financial reference for wealth management products.
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LEE, YI-CHE, and 李宜哲. "Comparative Dynamic analysis of Bank Wealth Management Performance." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/654rw6.
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碩士<br>世新大學<br>財務金融學研究所(含碩專班)<br>107<br>In recent years, the world's rich and poor inequality has become more serious, and the Asia-Pacific region is the main region for the growth of wealth of high-asset customers around the world. In addition to the traditional stock market and real estate, high-asset customers also deposit deposits in wealth management products. Compared with the rapid growth of Regal's assets, Taiwan's affluent growth momentum has slowed down due to the aging of the population structure. The aging society and the meager profit period and the investment mentality are increasingly conservative. Investing practices need to establish the concept of “wealth management”.
This article is mainly to explore the follow-up effect of the global central bank to save the economic recession after lowering the interest rate after the financial turmoil. From the US and the world's major economies, through the quantitative easing (Quantitative Easing, QE) and other monetary easing policies, the release of large amounts of funds into the market to boost The economic environment has found that long-term interest rate reduction has not only failed to effectively increase the willingness to invest, nor has it seen a significant improvement in the economy. Although the global stock market led by US stocks has risen sharply, corporate profits and economic data of various countries seem to be improving, the actual economy The activities were not very active and did not directly benefit the people’s wealth.
This paper analyzes the changes in the investment and insurance commodity income of domestic F bank wealth management in 2016-2018. Through the 36-month data compilation and growth model statistics of F Bank in 2016-2018, the differences in investment behaviors of customers under different regional distributions in North Central South District were analyzed. It shows that wealth management customers are still dominated by northern cities, and the profits of the northern part of the line are higher, while insurance products account for nearly 60% of the overall bank performance, indicating that low interest rates and stricter financial rules and regulations, and insufficient investment channels have affected. The client’s investment behavior has changed and he has turned to conservative wealth management products. F Bank is a very successful bank in the wealth management business and a very representative bank.
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TSAI, WAN-JU, and 蔡婉如. "The Bottleneck and Restructuring of the Wealth Management Industry for Banks: A Study on the Feasibility of Petty Wealth Management Mode." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/23557503936694637557.
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碩士<br>佛光大學<br>管理學系<br>101<br>Banks provide wealth management, which is a combination of financial ser-vices, to customers with a high net worth, preserving or increasing the value of assets and designing customized asset allocation plans. Theoretically, Taiwan is a market with high growth potential for the wealth management industry; however, the industry that began over 10 years ago now faces a bottleneck. Therefore, we must consider methods for stimulating the industry renovation by using consumer-oriented services or new products developed using the “Blue Ocean Strategy”. Numerous studies have considered wealth management; however, most product and service development models are old-fashioned, and unable to break through the current bottleneck confronting the wealth management industry, generating limited benefits.
Accounting for the needs and characteristics of both potential clients and the wealth management industry, we used qualitative analysis to explore an innovative model for wealth management services. First, we comprehensively reviewed the development of wealth management and relevant industries, as well as their interconnectivity. After this review, we proposed an innovative business model, using a scenario simulation analysis to explore the feasibility of developing customized packaged services for petty wealth management.
The results indicated that the cost advantages and the market size effect of petty wealth management in Scenario 2 outweighed those of traditional wealth management in Scenario 1. In Scenario 2, risk tolerance was divided into 4 categories (adventurous, aggressive, stable, and conservative) for 5 age groups, providing 20 packaged service options for clients. Wealth managers need only manage the selected package, redistributing benefits according to the investment allocation of the client. Furthermore, the threshold of high net worth is determined by individual banks. Thus, it is feasible to integrate coopetition products such as insurance, mutual funds, and wealth management into the professional division of labor and positive cooperation of a vertical commodity value chain. Therefore, the implementation of micro-wealth management creates a win-win scenario for both banks and investors.
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Kuo-Ming, Tseng, and 曾國銘. "A Case Study on Compliance Risk Management-focus on Wealth Management Business." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/e936ez.
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碩士<br>國立臺灣科技大學<br>財務金融研究所<br>105<br>The Compliance Risk Management is one of the risk management mechanisms. It is a part of the internal control system and related to legal affairs and operational risk management. However, due to its special attribute, the Compliance Risk Management has developed some unique content and methodologies.
The regulations for bank’s compliance officer system are only on principle base. Hence, it is interesting to understand the practical problems of compliance management such as organization design, control items, work flows and methods. After 2008 financial crisis, a lot of compliance issues emerged from the banks which engaged in wealth management business, so the compliance issues related to wealth management business have become the important objects for banks to deal with gradually. Based on the above, this study tries to show the practices of compliance risk management according to the research on the case bank and related literatures. Meanwhile, this study tries to propose some conclusions and suggestions.
This study found that the establishment of compliance culture and related system should be driven by the senior management making the change of organization, culture and business processes. Besides, we could see many measures of Compliance Risk Management have been cognized and implemented by banks, such as regulations tracing, compliance advice, product examination, vendor due diligence, compliance test, compliance monitoring, compliance training, compliance liaison. However, there still are some problems to solve, which result from the relevant resources, training, organization, merit system, technic, laws and regulations.
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Lo, Kua-Chiung, and 羅絓瓊. "The Determinant Factors of Wealth Management Businesses for Taiwan Securities Firms - What can We Learn from Taiwan Banks' Wealth Management Business development." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/11854501389617492153.
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碩士<br>國立中正大學<br>企業管理所<br>94<br>Wealth Management has been a very popular business in financial industry for years in western countries. Due to the liberalization and globalization of Taiwan’s financial sector, wealth management also becomes critical for Taiwan’s financial institutions since year 2000. After Financial Supervisory Commission of Executive Yuan in Taiwan gradually passed the necessary laws and regulations of wealth management for banks, security firms, and insurance companies in recent years, it has been a new era for Taiwan’s financial institutions in developing wealth management business.
Although such development encourage Taiwan’s financial institutions, banks in Taiwan have superior benefits in developing wealth management since government allow much more business for them compared to security firms. In this research, we focus on the development of wealth management business for Taiwan’s security firms. The experience of Taiwan banks in developing wealth management in recent years could be a good lesson for Taiwan’s security firms. After comparing banks and security firms in Taiwan, we also propose proper change of government regulation to security firms’ wealth management. We hope such change is able to reinforce the security firms’ competitive strength in the business of wealth management.
In our approach, we divide Taiwan banks and security firms into four types of institutions including banks and security firms with and without the financial holding company. Focus on the effect of six determinant factors to the profitability for each type of banks and security firms, we found the quality of human resource has the most significant effect to all financial institutions in the business of wealth management. Secondly, the location of branch and the ratio of brokerage fee has their impact on the profitability of the companies. The scale of asset management has inconclusive effect to the profitability due to the type of the business each financial institution managed. The most surprising result is the size of the financial institutions does not play any significant role for the profitability of wealth management business. The possible explanation may come from their reducing efficiency when the size of the firm becomes larger. The expected synergy effect never occurs after the merge and acquisition completed in recent years.
Our results could be a good guidance for Taiwan security firms when they are developing their wealth management business. More important, our finding should be a good reference to the government regulation on wealth management for Taiwan security firms. A more flexible and fair rules for the security firms should encourage their professional performance in this business.
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陳靜恕. "Research wealth management business strategy-Taking S bank case." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/62462655499482238668.
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Chang, Hui-Li, and 張秀麗. "The Influence of Wealth Management Profit on Banking Industry." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/qhtrs7.
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碩士<br>銘傳大學<br>國際企業學系碩士在職專班<br>96<br>VISA and MASTERCARD, the global largest number of the international credit cards organization, agree that the entire Taiwan at least has the nearly 20 thousand latent customers, the yearly income surpasses above two million New Taiwan dollars. The Default of Credit Card destroyed the Taiwan''s banking industry in 2006. The Taiwan''s banking industry must change their management strategy as soon as possible.
The purpose of this study was investigated the influence of wealth management profit on banking industry. Collate the data base from September 2002 to December 2007. The further study was influence of wealth management profit on banking industry by the statistic analysis and the Panel Model. The study sample has included 36 country banks and 32 foreign banks.
The data shows that the banking industry is engaged the investment management products after the Credit Card Insolvency Crisis in 2006. First, the service charge and commission was raising when the banking industry promote the investment management product. Second, consumers seek the investment products that could get the fastest profits. The wealth management profit will be the one of critical profit in the future. It is important to develop the new wealth management products and the stable fund continually. Every bank must find the suitable wealth management products and the customer level in the financial market as soon as possible. The banking industry’s financial market and the profit will become more stable.