2008~2009年金融海嘯危機凸顯了國內銀行財富管理人員與一般投資大眾對於銀行投資商品與資產配置認知上相當大的差異。本文主要探討資產配置概論，繼而分析資產配置比例與資產的類別，並分析當前銀行熱銷的雙元組合式外幣商品在資產配置中所屬的類別，指出目前將雙元組合式外幣商品錯誤的資產配置比例與觀念，慎防當年結構型商品投資爭議的另一翻版。 其次，將介紹雙元組合式外幣商品的定義與基本概念，並且將國內銀行雙元組合式外幣商品列舉一例研究。最後，筆者將藉由本身銀行的財富管理實際經驗，分享雙元組合式外幣商品在銀行資產配置的應用，以及所佔財富管理業務之成長比例，並舉出實例提供參考，以期投資人明確理解該投資商品的風險進而思考自己資產配置中的投資需求。 Abstract The financial crisis from 2008 to 2009 highlights the distinct views on financial products and asset allocation between wealth management personnel of domestic banks and general investors. This paper will discuss on asset allocation regarding the ratio and type, and analyze the asset class in which Dual currency deposit (DCD) belongs to, pointing out DCD’s erroneous asset allocation ratio and concept, in order to prevent structural products investment controversy occurred in the past. Secondly, this paper will introduce DCD’s definition and concept. Moreover, providing a research example on the domestic DCD. Finally, the author will use the practical experience acquired from the bank’s wealth management division to share the application of DCD in asset allocation and its growth within wealth management division, hoping the investors would understand the risk in order to think about proper investment demand to achieve better asset allocation.
