台灣金融市場環境多元化與國際化的趨勢下，傳統的金融商品服務已無法滿足投資人的需求，1988年花旗銀行將財富管理觀念引進台灣，直到近五年來，各家銀行才紛紛投入所謂的財富管理市場。台灣財富管理市場目前正處於「發展中市場」階段，國內財富管理銀行快速模仿外商的經驗模式，已浮現出水土不服的徵兆。 銀行雖訴求以客戶的人生目標與需求，作為個人財富管理資產配置之依據，惟實際上現階段的經營方式與訴求之間還是有很大落差。如果國內財富管理銀行持續以手續費收入為主要來源，而不是以管理資產規模大小為獲利引擎，就長遠而言，國內銀行與金控所擁有的資源，是無法與具有全球性資源的國際級銀行競爭，將因而喪失客戶對國內財富管理銀行的信任。 本研究希望能借鏡國外財富管理的經營模式，綜觀性的探討國內財富管理銀行的發展現況與面臨之問題，以及未來之經營策略，藉以提供國內財富管理銀行未來在經營上的參考。 As the pluralism and internationalization trend of Taiwan's financial market environment, traditional financial products and services has failed to meet investor demands. 1988 Citibank introduced wealth management concepts to Taiwan, but until the last five years, individual banks begin to invest in the so-called wealth management market. Taiwan's wealth management market is now in the "developing market" stage, there are many of signs of crack appear because of the domestic banks rapidly imitating the foreign models of wealth management experience. Although banks advertised that personal wealth management asset allocation basis is to fit life goals and needs of the customers, in fact, there are still significant gaps at this stage between the mode of operation and aspirations. If domestic wealth management bank rebill the business model of continuing to achieve the main source of revenue, not on the assets under management size of the profit engines, in the long run, domestic banks and financial holding company with the resources is unable to global resources worldwide competition among banks. And domestic wealth management banks will lose the trust of customers. This study hopes to learn more from the foreign management business models, comprehensiveness of the problems and future business strategy for the current wealth management banks, to provide a future business model of reference for the domestic wealth management banks.
