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博碩士論文 etd-0828111-102701 詳細資訊
Title page for etd-0828111-102701
論文名稱
Title
財富管理專業人員之工作動機、組織承諾與公司信任機制關聯性之探討
Relevance research for wealth management professionals with work motivation , organization commitment and trust
系所名稱
Department
畢業學年期
Year, semester
語文別
Language
學位類別
Degree
頁數
Number of pages
85
研究生
Author
指導教授
Advisor
召集委員
Convenor
口試委員
Advisory Committee
口試日期
Date of Exam
2011-07-01
繳交日期
Date of Submission
2011-08-28
關鍵字
Keywords
行為財務、績效管理、高承諾人力資源
behavioral finance, performance management, high commitment human resource
統計
Statistics
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中文摘要
本研究者目前從事財富管理專業工作長達二十年的實務領域中,對客戶提供理財及財富管理資產配置的服務過程中,體會經濟人在追求自利最大化過程中,往往因為投資者本身對於風險的觀點及認知、個人情緒或者思維模式,往往成為他與理專互動的主要變數之一;反之金控機構之財富管理人員,由於本身之財富管理專業素養、工作動機及公司績效要求等多重變動因素,這些皆將影響財富管理人員與客戶的互動,甚至影響到金控機構的經營績效。金控公司所面臨的經營競爭及法規不斷變動之要求,此為本論文之主要研究背景。
本研究論文主要研究目的如下:
1.針對現況金控公司及財富管理人員與金控善盡企業社會責任之最大平衡點配適性進行相關釐清
2.協助財富管理人員除在自利動機考量下,為客戶進行客觀最大利益財富規劃,以達到財富管理真正意義
本論文以質性研究進行開放式問卷,針對財富管理階層高階主管、財富管理理財專員、財富管理客戶等進行開放式問卷訪。
本論文主要研究結論如下:
1.ECFA大中華經濟圈的時代來臨,台灣的財富管理專業及人才實務經驗,是大陸銀行所企求的主要目標動力。此部分就台灣的理財專員未來的職涯發展規劃及金控公司或銀行的私人財富管理端代表是一重大的機會。
2.銀行或金控公司針對財富管理端,應該思考其KPI設計及銀行利潤中心的規劃目標及重新釐清績效因子驅動因子。
3.面對外界資訊如此開放公開及快速,許多投資訊號可能不斷會擾亂財富管理者的投資決策,因此如何進行個人及公司營運的資產配置,提供客觀的財富管理規劃,此為未來財富管理重點及金控公司、理財專員應該意識到努力的方向。
後續研究建議如下
1.傳統的金融商品及單純化、制度化的財富管理方式已無法滿足逐漸多元化和國際化的財富管理市場,如何更精準找出創造財富管理客戶—金控公司或者銀行-理財專員等三贏的共同集合點及主要影響因素,應該本研究主要的後續建議。
2.金控公司未來進行大陸的金融服務,如何將台灣目前現有的理財專員的實務經驗及隱性知識進行整合性知識管理,並設計結合理財專員的生涯規劃等,再共此進軍中國大陸與陸銀進行財務金融資源的整合及套利行為規劃。
3.建議針對投資雜訊的訊號混亂現象,如何針對財富管理專屬客戶群進行訊息不對稱的投資決策賽局理論的導入研究。
4.建議金控公司針對財富管理的經營績效驅動因子及利潤中心設計等,長期短期評估因子重新予以衡量,已因應目前財富管理客戶規劃需求特性及建立公司長久財富管理永續經營之道。
Abstract
The researchers are currently engaged in wealth management professionals for over twenty years of practice areas, and for providing financial services wealth management asset allocation process, the experience of people in the pursuit of economic self-interest maximization process, often because the investors themselves for risk point of view and the cognitive, emotional or thought patterns, often become the reason he specifically interact with one of the key variables; contrary Holding institutions wealth management, wealth management because of their professionalism, motivation and company performance requirements of multiple variations, which will affect both the wealth management and customer interaction, or even affect the financial holding institution's operational performance. Operating financial holding companies are facing competition and changing regulatory requirements, this paper's major research-oriented background.
In this study, thesis research purposes are as follows:
1 for the financial holding company status and wealth management and financial holding corporate social responsibility with the maxmun balance
2. Clarify the related adaptive to help wealth managers, except in self-motivation considerations for customers in the best interests of objective wealth planning,
To achieve the true meaning of Wealth Management , the qualitative research papers in an open-ended questions, for wealth management executives, wealth management financial planning experts, wealth management customers, visit the open-ended questionnaire.
Research findings of this paper are as follows:
1. ECFA circle of the era, Taiwan's wealth management expertise and practical experience in human resources.
The main objective of the Bank seek power. This part of the commissioner on the
future of Taiwan's financial planning and career development.
2. Financial holding company or the bank's private wealth management side
representative is a major opportunity.bank or financial holding company for the
wealth management side, the design should consider the KPI and bank profit
center planning.
Clarify the objectives and performance factors driving re-factor.
3 Faced with such public information so open and fast, many investors may continue
to disrupt the signal wealth managers investment decisions, so individuals and
companies how to operate the asset allocation, wealth management to provide objective
Planning, this is the focus of future wealth management and financial holding companies, financial planning experts should be aware of the efforts.
Follow-up study suggests the following
1 The traditional financial products and simple, systematic, wealth management has
been unable to meet the increasingly diversified and international
Internationalization of the wealth management market, how to more accurately identify the creation of wealth management clients - financial holding company or bank- Financial Commissioner and other common collection point and win the main factors, should this study follow-up recommendations.
2. Financial holding companies, the mainland's financial services future, how will
Taiwan's current commissioner of the existing financial management practices by
Experience and tacit knowledge for integrated knowledge management, and design
combined with career planning, financial commissioner, then a total of
The land bank to enter the mainland China and the integration of financial resources for financial arbitrage and planning.
3. Proposed noise signal for investment in confusion, how Wealth Management exclusive customer base for the message does not symmetry of the investment decisions of game theory into research.
4 .We recommended for the wealth management, financial holding companies, drivers of business performance and profit center design, long-term short-term.
Re-assess the factors to be measured, has been in response to the current demand for wealth management clients plan features and long-established company
sustainable long road to wealth management.
目次 Table of Contents
摘要 i
Abstract iii
目錄 v
表目錄 vi
圖目錄 vii
第一章 緒論 1
第一節 研究背景 1
第二節 研究動機暨研究目的 2
第二章 文獻探討 3
第一節行為財務學 3
第二節 高承諾的人力資源及工作績效等相關聯討論 15
第三節 財富管理業務發展及相關文獻探討 21
第三章 研究方法 42
第一節研究流程 42
第二節質性研究方法 43
第三節 問卷設計及相關結果分析 60
第四節ECFA下金融人才未來面臨問題 63
第四章 研究結論與建議 73
第一節研究結論 73
第二節 研究建議 74
參考文獻 75
中文參考文獻 75
英文參考文獻 75
參考文獻 References
中文參考文獻
1.企業競爭優勢,方至民(2002 年),前程企業管理有限公司
2.策略管理-建立企業永續競爭力,方至民.鍾憲瑞 合著(2006 年),前程文
化有限公司。
3.創新者的修練,克雷頓.克里斯汀生 史考特.安東尼 艾力克.羅斯 合著
(2005 年),天下雜誌股份有限公司。
4.全球私人銀行與財富管理新趨勢,David Maude 著,劉宗盛譯(2008),財信出
版。
5.競爭論(上),.麥可.波特(2006 年),天下遠見出版股份有限公司。
6.競爭論(下),麥可.波特(2006 年),天下遠見出版股份有限公司。
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限公司。
8.競爭策略-- 產業環境及競爭者分析,波特(2006 年),天下遠見出版股份有
限公司。
9.組織行為--影響力的形成與發揮,黃賀(2009 年),前程文化事業有限公司。
10.CFP 認證系列課程,投資規劃,台北金融研訓院(2005)
英文參考文獻
1.Pugh, D.S., Hickson, D.J., Hinings C.R, and Turner, C.(1968), “Dimensions of
Organization Structure,” Administrative Science Quarterly, 13(1), June 65-105.
2.Burns, Tom & Stalker, G. M. (1961) The Management of innovation, London:
Tavistock Publications, 119-125.
3.Thompson, James D.(1967) Organizations in Action. New York: McGraw-Hill.
Selznick, P. (1948) “Foundations of the Theory of Organization”, American
Sociological Review, 13, pp.25-35. http://www.jstor. org/stable/2086752?seq = 1
4.Lawrence, P. L. & Lorsch, J. W. (1969) Developing Organizations : Diagnosis and
Action Reading, Mass.: Addison_ Wesley Publishing, 23-30.
Galbraith, Jay(1973) Designing Complex Organizations. Reading, Mass.: Addison-
Wesley Publishing, 8-21.Organizational structure
6.Chandler, Alfred D., Jr. (1962), “Strategy and Structure”, Strategy and Structure:
Chapters in the History of the American industrial Enterprise, Cambridge: MIT
Press, 13-16, 299-323.
7.Hall, David J. & Saias, Maurice A. (1980) “ Strategy Follows Structure”, Strategy
Management Journal, 1, 149-163.
http://www.l stor.org/stable/2486097?seQ= 1
8.Child John (1972) “Organizational Structure, Environment and Performance: The
Role of Strategic Choice”, Sociology, Vol. 6, pp.1-22.
9.Wemerfelt, B. (1984),“A Resource-based View of the Firm.” Strategic Management
Journal, 5, 171-180.
Itami, Hiroyuki (1987) Mobilizing Invisible Assets. Cambridge, MA: Harvard
University Press. Chapter 1 (pp.1-11) & Chapter 2 (12-30).
Barney, J.B.(1986) “Organizational Culture: Can It Be a Source of Sustained
Competitive Advantage?” Academy of Management Review, 11 (3): 656-665.
10.Reed, R., and Defillippi, R.J.,(1990) “ Causal Ambiguity, Barriers to Imitation, and
Sustainable Competitive Advantage.” Academy of Management Review. 15,
88-102.
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