本研究探討理財顧問常面臨的倫理困境。雙卡債風暴後，財富管理業務逐漸成為金融業主要業務來源，身為其中從業人員的理財顧問，一方面對客戶有忠實義務，他方面對雇主又有忠誠之職責，兩種義務間常不相容。實務上，業者對理財顧問的績效評估多以銷售為主要考量，與其所擔負的忠誠職責亦不免有所衝突。 本文從實務角度出發，先分析理財顧問所應具備的專業職能及義務，再探討利益衝突及其來源，並輔以實例說明之，最後再對現有制度提供改善建議。 This paper focuses on the ethical dilemma the financial advisers often faced. The wealth management sector has become the major source of business after the bad debt storm of credit card and cash card. Financial advisors have to play many different roles simultaneously. They are obliged to be loyal to both their clients and the organization. The reality is that financial advisors’ performances are evaluated mainly by how much they sell, and professional ethic is often ignored. Hence, the role conflict arises. This essay will focus on the issues such as conflicts of interest, arrangement of soft money, financial advisors’ professional roles and professional obligations commonly seen in finance business practice. The practice of the arrangement of soft money will also be discussed. Finally, examples will be given on how professional ethical dilemma results in financial advisors’ unethical marketing behaviors.
