新冠肺炎對財富管理資產配置之影響

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題名:	新冠肺炎對財富管理資產配置之影響
作者:	謝婉瑜;WAN-YU-HSIEH
貢獻者:	財務金融學系在職專班
關鍵詞:	資產配置;財務管理;新冠肺炎
日期:	2022-08-11
上傳時間:	2022-10-04 11:45:44 (UTC+8)
出版者:	國立中央大學
摘要:	近十年來每逄市場發生重大事件後，客戶之資產配置情形普遍發生變化，而且此變化會因年齡層、職業、性別、家庭狀況等因素而不同變化，新冠肺炎提供一個非常良好的實驗機制讓我們可以去理解當突然發生的意外風險到來時，不同類型的投資人會如何調整他的資產配置，本研究蒐集影響投資行為之各項因子如年齡、職業、風險屬性等變數，以C銀行C分行之財富管理客戶資產配置數字為樣本，採取新冠肺炎發生的三個時點之資產配置變化情形，做為分析之依據，此三個時點分別為新冠肺炎尚未爆發前、衛福部宣佈三級警戒以及三級警戒宣佈解除時，再以新冠爆發前為基期，到新冠爆發三級警戒為第一期，到解除三級警戒為第二期，比較二期間資產變化情形。本研究發現新冠肺炎事件對投資人之投資行為確實有發生影響，並且此種影響會因投資人之性別、年齡、婚姻、子女、投資屬性、職業等因子不同而有不同變化，就投資族群而言，新冠肺炎發生後以投資風險屬性積極型與職業別為企業主之投資人之最為積極加碼，男性會較女性積極加碼，年輕族群會較年長者積極加碼，有家庭會較無家庭積極加碼，有小孩會較無小孩積極加碼，風險屬性偏積極者會比穩健保守族群積極加碼。產品面來看，新冠肺炎發生後資產配置產生變化，傳統保險類產品微幅減少，下滑幅度最大為債券及債券型基金，而投資類型產品則普遍成長，成長幅度最大為結構型產品。關鍵詞：資產配置、財務管理、新冠肺炎 ;Abstract In the past ten years, after the occurrence of major events in each market, the customer′s asset allocation situation has generally changed, and this change will vary due to age, occupation, gender, family status and other factors, the new crown pneumonia provides a very good experimental mechanism for us to understand how different types of investors will adjust their asset allocation when the sudden unexpected risk comes, this study collects the factors that affect investment behavior such as age, occupation, risk attributes and other variables, Taking the asset allocation figures of wealth management customers of Bank C C Branch as a sample, The changes in asset allocation at three time points of the occurrence of the new crown pneumonia were used as the basis for analysis. The three time points were before the outbreak of the new crown pneumonia, when the Ministry of Health and Welfare announced the level 3 alert, and when the third level alert was announced. Then take the base period before the outbreak of the new crown, the first period when the level 3 alert of the new crown outbreak occurs, and the second period when the level 3 alert is lifted, and compare the changes in assets during the second period. It is concluded that the new crown pneumonia incident does have an impact on the investment behavior of investors, and this impact will vary according to the gender, age, marriage, children, investment attributes, occupation and other factors of investors, As far as investment groups are concerned, after the outbreak of COVID-19, investors with positive investment risk attributes and occupational characteristics are the most active investors. men will be more active than women, young people will be more active than the elderly, some families will be more active than no families, some children will be more active than no children, the risk attributes will be more active than the stable and conservative groups, in terms of occupation, the business owner group is the most active, followed by unemployed, the asset allocation has changed, and the traditional insurance products have decreased significantly, with the largest decline being bonds and bond-type funds, while investment-type products have generally grown, and the largest growth rate is structured products. Keywords：Asset Allocation, Financial Management, COVID-19
顯示於類別:	[財務金融學系碩士在職專班] 博碩士論文

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