結構型商品的資訊操縱議題; Marketing Manipulation in Retailed Structured Products

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题名:	結構型商品的資訊操縱議題;Marketing Manipulation in Retailed Structured Products
作者:	劉昌運;Chang-Yun Liu
贡献者:	財務金融研究所
关键词:	資訊揭露;散戶;供應鏈管理;結構型商品;information manipulation;information disclosure;supply chain management;retail market;structured product
日期:	2009-06-29
上传时间:	2009-09-22 14:45:01 (UTC+8)
出版者:	國立中央大學圖書館
摘要:	本文以59件海外結構型商品為樣本，從結構型商品特性、金融商品供應鏈管理以及商業倫理等構面，探討由本土銀行所製作之結構型商品DM所引發的爭議。首先探討結構型商品之特性，得知此類商品有極高的資訊不對稱，使得散戶無法充分得知其高風險和低流動性之特性。其次，探討廣告資訊傳遞所使用的操縱型影響所引發的倫理爭議。藉此，本文首先界定保本型商品與不保本型商品之風險差異，進而針對樣本做資訊品質之分析。本文設定三個資訊變數並設定評比基準，三個資訊變數為標題、商品條件和商品收益。研究結果顯示結構型商品DM的資訊品質普遍低落，就商品之資訊品質而言，保本型商品則略勝於不保本型商品。因此本土銀行所提供之DM並無法提供公正不偏之資訊給予散戶，最後本文探討相關之建議。 Using 59 retail structured products issued by global investment banks, this paper analyzes the promotional material made by Taiwanese local banks and discusses the related ethical issues. More specifically, this study firstly discusses the basic features of structured products from the technical views. And, with highly information asymmetry and complicated structure, structured products arouse ethical issues about information manipulation. This paper firstly examines the differences of variances between principal-protected products and non-principal-protected products. Secondly, it uses three variables to evaluate and analyze the quality of information disclosed by the promotional material made by local banks. Overall, the results show the quality of promotional material is low. In detail, principal protected products are better than non-principal protected products. However, the limited pages and contents restrict promotional material to provide unbiased and neutral information. Therefore, the paper concludes with a discussion of suggestions.
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