影響理財人員手續費收入因素之分析 -以個案銀行為例;Analysis of Factors Affecting Fee Income for Financial Advisors: A Case Study of a Specific Bank

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題名:	影響理財人員手續費收入因素之分析 -以個案銀行為例;Analysis of Factors Affecting Fee Income for Financial Advisors: A Case Study of a Specific Bank
作者:	林靜怡;Lin, Ching-Yi
貢獻者:	財務金融學系在職專班
關鍵詞:	理財人員;手續費收入;financial advisors;fee income
日期:	2024-06-27
上傳時間:	2024-10-09 16:21:33 (UTC+8)
出版者:	國立中央大學
摘要:	本研究探討理財人員手續費收入與八項變數之間的相關性，資料來源為某大型銀行2019-2023年的內部數據。其八項變數包括：性別、證照數量、所屬分行城市、法令遵循成績、客戶滿意度、教育訓練時數、短線交易次數及工作年資。本研究採用多元迴歸分析，其結果顯示：證照數量、客戶滿意度、教育訓練時數與工作年資對手續費收入有顯著正相關。法令遵循成績對手續費收入有顯著反向影響。短線交易次數對手續費收入也有顯著影響，結果顯示，交易次數愈多手續費收入愈高。性別對手續費收入無顯著影響。非六都分行理財人員的手續費收入高於六都。結果表明，增加專業證照、提升客戶滿意度、持續教育訓練及累積工作年資可有效提高手續費收入。未來可擴展至不同銀行及更多變數，並以更長期數據進行驗證，以制定更完善的管理制度和績效措施，促進財富管理業務的永續發展。 ;This study explores the correlation between the fee income of financial advisors and eight variables. The data comes from the internal records of a large bank from 2019 to 2023. The eight variables include gender, number of licenses, branch location, compliance scores, customer satisfaction, hours of training, frequency of short-term trading, and years of service. This study employs multiple regression analysis. The results indicate that the number of licenses, customer satisfaction, hours of training, and years of service are significantly positively correlated with fee income. Compliance scores have a significant negative impact on fee income. The frequency of short-term trading also significantly affects fee income, showing that more trades lead to higher fee income. Gender does not have a significant impact on fee income. Financial advisors at branches outside the six major cities earn higher fees than those within the six major cities. The findings suggest that increasing professional licenses, enhancing customer satisfaction, continuous education and training, and accumulating years of service can effectively increase fee income. Future research can expand to different banks and more variables, using longer-term data for verification, to formulate more comprehensive management systems and performance measures, thereby promoting the sustainable development of the wealth management business.
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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