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|Keywords: ||私人銀行;競爭優勢;財富管理;Competitive Advantage;Private Banking;Wealth Management|
|Issue Date: ||2014-05-08 15:36:14 (UTC+8)|
;Wealth management services were originated from the UK at the 17th Century, and it was called as "private banking " at that time. It was greatly prospered after the World War II at the neutral country- Switzerland, where developed a bank business model to provide a set of services for high net worth individuals.
Due to the global wealth accumulation in recently years, and banking industry wished to expand business to provide services for newly risen wealth customers, in order to satisfied their wealth management, investigation and tax organization, "wealth management services" become a common term and derived many related financial service products.
Since 1991, Taiwan government open for establishing new banks, the competition of banking industry became very high. Cutting price to gain business among banks resulting the margin for administering traditional deposits and lending is getting narrower and reduce profits. Therefore, charging service fee's wealth management services quickly became local banks' best favorite business, which could increase profit and improve financial structural of the bank.
For the purpose of understanding wealth management service's strength and its operating strategies, this study used Chinatrust commercial bank and Citi Bank as samples for cases analysis. The former one has the biggest Taiwan market share rate in terms of wealth management business, and the later one is the pioneer and leader of this service.
Through this study, we would like to understand their competitive advantages of wealth management business strategy, we hope this document may provide a reference guide to peers for those who in the banking industry.
This study's important findings are:
(1) The past (AUM) business model would change to become customers needs oriented service style.
(2) Wealth management services have to focus on customer tailor-made , professionalism and differentiation.
(3) Keeping relationships with customers, migration of old customers and acquisition of new customers, are main strategies for operating wealth management services currently
|Appears in Collections:||[高階主管企管（EMBA）碩士班] 博碩士論文|
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