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    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/139156


    Title: 數位金融於財富管理應用之研究 以C銀行個案為例
    Wealth Management Through Innovative Technology: The Case of C Bank
    Authors: 黃盈甄
    Huang, Ying-Chen
    Contributors: 張士傑
    黃盈甄
    Huang, Ying-Chen
    Keywords: 財富管理
    數位金融
    傳統商業銀行
    金融科技
    Wealth management
    Digital finance
    Traditional commercial banks
    Financial technology
    Date: 2022
    Issue Date: 2022-03-01 16:47:57 (UTC+8)
    Abstract: 2020年新冠肺炎疫情讓民生與經濟受到不小衝擊，金融業卻因疫情影響零接觸的交易需求大增，進而促使數位金融服務發展步伐大幅躍進。
    由於網路與手機普及，加上人工智慧、機器學習、區塊鏈等新興技術不斷地發展，現在客戶可以用智慧型手機完成大部份銀行交易，這對傳統商業銀行，既是商機也是挑戰，面臨數位化的時代來臨，金融服務不斷尋求創新、轉型契機 如何運用數位科技將財富管理業務重塑轉型升級，是現今銀行業關注的關鍵問題。本研究透過相關文獻的整理，以及本人從事銀行工作十六年的實務經驗，以C個案銀行為研究對象從現今數位金融發展、銀行財富管理現況、現有商業模式與同業競爭及未來發展方向等方面加以分析，最後對傳統商業銀行如何將數位科技應用於財富管理加以整合，提出建議。
    Corona Virus Disease 2019 in 2020 has caused a lot of impact on people`s livelihood and economy. Although the epidemic has damaged the economy and life, it is not entirely negative for the financial service industry. Financial transactions that can be completed without face-to-face contact, such as transfer and consumption Increase, which in turn promotes the acceleration of the development of digital financial services.
    Due to the popularity of the Internet and mobile phones, coupled with the continuous development of artificial intelligence, machine learning, blockchain and other emerging technologies, customers can now use smartphones to complete most banking transactions. This is both a business opportunity and a challenge for traditional commercial banks. Facing the advent of digitalization, financial services are constantly seeking opportunities for innovation and transformation. How to use digital technology to reshape, transform and upgrade wealth management business is a key issue that the banking industry is concerned about today. Based on the collation of relevant literature and my sixteen years of practical experience in banking, this study takes C Case Bank as the research object from the current digital financial development, the current status of bank wealth management, the current business model and competition in the industry, and the future development direction. The analysis, finally, puts forward suggestions on how to integrate digital technology in wealth management by traditional commercial banks.
    Reference: 石雅綾，(2017)。銀行財富管理行銷策略分析:以TF銀行與S銀行為例。中央大學財務金融學系在職專班，ir.lib.ncu.edu.tw。
    李沃牆，106年12月第五卷第四期國家發展委員會國土及公共治理季刊ws.ndc.gov.tw
    林玲真，(2019)。－私人銀行基礎篇。4-7私人銀行與高資產顧問的第一本書。台北：台灣金融研訓院。
    吳麟、陳世雄、賴偉晏，(2021)。臺灣銀行業報告。台北：KPMG 安侯建業聯合會計師事務所。
    吳欣展， (2015)。迎向數位金融之財富管理發展策略探討－以個案銀行為例。臺北大學企業管理學系碩士在職專班，ir.lib.ncu.edu.tw。
    洪曉娟，(2019)。金融科技對財富管理發展策略之研究－ 以 C 銀行為例。天主教輔仁大學科技管理碩士在職專班，ir.lib.ncu.edu.tw。
    姚秀明，(2016)。數位金融時代之銀行財富管理發展策略，臺北科技大學工業工程與管理系EMBA班。ir.lib.ncu.edu.tw。
    張雅雲，(2016)。金融科技應用之分析與探討，中央大學財務金融學系在職專班。ir.lib.ncu.edu.tw。
    齊克用，(2007)。財富管理與境外基金－基礎篇。台北：宏典文化。
    謝欣潔，(2011)。金融環境變遷下銀行業財富管理 創新商業模式之研究:以H銀行為例。中央大學財務金融學系碩士在職專班，ir.lib.ncu.edu.tw。
    梁宜琳，(2020)。數位化對銀行業財富管理業務的影響及探討 -以 Y 銀行為例。臺灣師範大學管理學院高階經理人企業管理碩士在職專班，ir.lib.ncu.edu.tw。
    Description: 碩士
    國立政治大學
    經營管理碩士學程(EMBA)
    107932143
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0107932143
    Data Type: thesis
    DOI: 10.6814/NCCU202200155
    Appears in Collections:[經營管理碩士學程EMBA] 學位論文

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