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Title:	智能理財產業分析
Authors:	陳力新 Chen, Li-Shin
Contributors:	謝明華 Hsieh, Ming-Hua 陳力新 Chen, Li-Shin
Keywords:	金融科技投資管理產業機器人理財顧問
Date:	2018
Issue Date:	2018-02-02 17:36:24 (UTC+8)
Abstract:	近年來金融科技快速竄起，人工智慧的投資也持續快速的成長，主因為自動駕駛以及Google開發的人工智慧圍棋程式AlphaGo，再者，2008年金融風暴造成經濟動盪，使投資人對傳統投資理財顧問喪失原有的信任感，而新的商業模式、自動化投資顧問服務與社群網路交易平台，顧客擁有更多的投資管理的控制權，更提供了比傳統投資理財顧問更低的成本、客製化與人性化的金融服務建議，使台灣與國外各金融機構皆致力朝向智能理財發展。本研究探討金融科技(Fintech)對金融服務產業所帶來的影響，針對投資管理領域進行探討，比較台灣智能理財發展與國外智能理財發展趨勢的差異，不同的機器人顧問公司具有不同投資理念與策略，致使發展出多樣化的金融投資理財服務，因此，本研究進一步針對了全球前六大機器人顧問公司之機器人顧問(Robo-Advisor)進行分析，分別為Vanguard Personal Advisor、Schwab Intelligent Portfolios、Betterment、Wealthment、Personal Capital以及FutureAdvisor，並建議投資產業對於未來趨勢的轉變，應轉型為從旁協助財務計畫的服務，善用金融科技所帶來的優勢，不僅降低投資成本，也可大幅提升工作效率，提供客戶更高品質的客製化金融服務。
Reference:	中文文獻 PwC. (2017a). 2017年全球金融科技調查台灣概要. 1-25. 金融監督管理委員會. (2016). 金融科技展策略白皮書. 1-140. 黃雪明. (2017). 人工智能：重新定義人才管理. Accenture, 1-14. 英文文獻 Bughin, J., Hazan, E., Ramaswamy, S., Chui, M., Allas, T., Dahlström, P., . . . Trench, M. (2017). Artificial intelligence–the next digital frontier. McKinsey Global Institute. Capgemini. (2017). The World Fintech Report 2017. EY. (2017a). FinTech Adoption Index 2017. EY. (2017b). Wealth Advice-Is weath management facing its "Kodak moment"? PwC. (2017b). Redrawing the lines : FinTech`s growing influence on Financial Services. WEF. (2017). Beyond Fintech: A Pragmatic Assessment Of Disruptive Potential In Financial Services. World Economic Forum. Epperson, T., Hedges, B., Singh, U., & Gabel, M. (2015). Hype vs. Reality: The Coming Waves of “Robo” Adoption. Report. AT Kearney. Hedges, B., Epperson, T., Singh, U., Chandiramani, A., & Chiang, P. (2016). The $20 billion impact of the new fiduciary rule on the U.S. wealth management industry. Report. AT Kearney. Ludden, C., Thompson, K., & Mohsin, I. (2015). The Rise of Robo-Advice: Changing the Concept of Wealth Management. Report. Accenture. O’Keefe, D., Warmund, J., & Lewis, B. (2016). Robo Advising–Catching Up and Getting Ahead. Delaware: KPMG. About Vanguard. Retrieved from https://investor.vanguard.com/corporate-portal/ About Schwab. Retrieved from https://www.schwab.com/ About Betterment. Retrieved from https://www.betterment.com/ About Wealthfront. Retrieved from https://www.wealthfront.com/ About Personal Capital. Retrieved from https://www.personalcapital.com/ About FutureAdvisor. Retrieved from https://www.futureadvisor.com/ About Statista Retrieved from https://www.statista.com/
Description:	碩士國立政治大學經營管理碩士學程(EMBA) 104932425
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G1049324252
Data Type:	thesis
Appears in Collections:	[Executive Master of Business Administration] Theses

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