依金融消費者保護法規範，投資人只要在銀行、券商、投信、保險公司購買具有風險性的投資型商品時，皆需填具「客戶風險屬性評估」。考量本國金融機構的「客戶風險屬性評估」不外乎皆圍繞在投資人的年齡、學歷、收入、投資偏好與經驗、投資目的等，且常有投資人為了申購超過本身風險等級以上的商品而重新篡改問卷答案，導致問卷失真而失去當初立法之美意。 近年來行為經濟學、行為財務學謂為新顯學，人格特質會影響個人投資偏好，如能把人格或行為財務學應用在「客戶風險屬性評估表」設計中，則更能貼近投資人可承受風險的真實情況而達到保護投資人的用意，金融機構也可利用大數據分析客群之偏好、屬性進而提高客戶滿意度外，監理機關也可減少受理金融案件糾紛之成本，而達成三贏的局面。;According to the Financial Consumer Protection Act, financial consumers need to fill in a “Risk Tolerance Questionnaire” whenever they purchase risky investment products from banks, securities firms, investment trusts, and insurance companies. The“Risk Tolerance Questionnaire” of Taiwan’s financial institutions usually focusing on the age, education, income, investment preferences and experience of investors, and the purpose of investment. Some investors falsify the answer to the questionnaire resulted in distortion, due to buy products that exceed their own risk levels. In recent years, Behavioral Economics and Behavioral Finance have become new famous theory. Personality traits will affect individual investment preferences. If personality or Behavioral Finance can be applied to the “Risk Tolerance Questionnaire” design, it will be more accessible to investors. Financial institutions can also use big data to analyze the preferences and attributes of their customers and improve customer satisfaction. In addition, the supervision can also reduce the cost of handling financial claims. That will achieve a win-win situation.
