在專業服務之領域中，對金融業者而言，財富管理是銀行當前最流行 的金融服務，不只是花旗、匯豐、渣打等外商銀行在台灣的消費金融業務是主打財富管理，本國銀行中較具規模的國泰世華、台新、中信、台北富邦、等等，也鎖定這個市場猛攻。故近年來各家銀行紛紛成立理財服務部門，聘僱專職之理財專員為顧客量身訂做投資理財規劃。 依據金管會所稱，瞭解客戶需求並規劃建議其所需之產品或服務，在國外稱為「客戶關係經理」（Relationship Manager，簡稱RM），在國內則一般稱為「理財專員」。所以，理財專員係對高資產客戶提供專業之財務規劃與投資諮詢服務，並加深客戶與銀行往來之關係度，為銀行高資產客戶之專屬服務人員。 由於眾多金融機構爭先恐後投入這塊肥沃的大餅，「財富管理」已經取代傳統授信業務，成為金融業火拼新戰場。但是一窩蜂的財富管理熱，究竟有沒有什麼風險？銀行業者對『財富管理』業務的推展會面對甚麼樣的挑戰？並如何利用策略方案來贏得這場遊戲呢？ 本研究就利用理財專員流動率高的情形，它對財富管理業務的績效影響來探討分析，並如何讓財富管理績效能更加發展。

在競爭激烈的金融環境下，財富管理已成為銀行重要業務，然而金融商品同質性高，產品與價格差異相當有限，為使財富管理業務者力求表現，除銀行妥適的激勵措施之外，另方面當推理財專員的個人特質，因此，組織的激勵措施，以及理財專員之人格特質，對於工作績效具有何種影響力，此議題值得深究討。 本研究以立意抽樣，採質化半結構式深度訪談方式，訪談F銀行的理財專員10人，旨在探討理財專員人格特質、組織激勵作用對工作績效之影響。 本研究結果，敘述如下： 1.績效考核、主管印象作祟：獎勵的分配未能基於公平及透明化的原則，此種作法，有損於激勵作用之發揮。 2.專業熟練、良好業績之本：業務熟練程度有其重要性，因此銀行理財工作的年資越久，能為公司創造的績效也愈高。 3.積極任事、理財工作首要：理財專員本身個人積極任事，高度工作意願等，對工作績效有明顯影響。 4.主管關懷、影響業績甚巨：主管平日對理財專員要多加關心，主管對理財業務支持程度對工作績效有正面影響。 5.勤勉謹慎、導致高度業績：人格特質中屬於「勤勉審慎、成就動機」類型的理財人員，其工作績效越好。 6.社交長才、依舊有益理財：人際關係圓融，依舊有助於理財工作，人格特質屬於高度「外向社交」的理財人員，其工作績效越好。 7.獎勵措施、講求現世利益：在諸多的激勵措施中，理財專員認為金錢獎勵最具效用，其次是考核及升遷。 另方面，藉由私誼的人際互動，並無助於理財；再者無心理財，導致對獎勵措施無感者，以及覺得上司考核不公者，則有礙工作績效之提升。 根據研究結果，本研究提出以下建議： 主管對員工的工作績效考核，宜多元、公平考慮；在選任理財專員時，應慎選有工作意願者；獎勵措施要得到受獎勵者認同，並講求考核的公平性；單位主管宜多關心員工，此舉有助工作績效提高；理財專員配置，應注重人格特質中「勤勉審慎性」及「外向性」；建立有效的激勵制度，吸引有心員工進入；績效的評估，務必公平。 / Under the financial environment of intense competition, wealth management has become an important business of the bank. However, the financial products are highly homogenous, so the difference of the products and prices are quite limited. To make the wealth management personnel get better performance, the bank should pay attention to the personality trait of the financial consultants besides appropriate incentives. Therefore, it deserves deeply exploration about what influence the incentives adopted by the bank and the personality traits of the financial consultants will bring to the work performance. Taking purposive sampling and qualitative semi-structured in-depth interview, this study interviewed 10 financial consultants from Bank F, with the aim to explore the influence of their personality traits and incentive effect on the work performance. The results of this study are illustrated as below: 1. Performance appraisal is affected by the impression of the supervisor: The bonus distribution is not based on the fair and public principle. It is unfavorable to the incentive effect. 2. Profession and experience are the key to good performance: The business experience is important, so the longer the financial consultant works, the higher performance he could create for the corporation. 3. Initiative is the primary requirement for wealth management: The initiative and high work willingness of the financial consultants show significant influence on the work performance. 4. The supervisor’s care shows great influence on the work performance: The supervisor should care for the financial consultants more, and their support to the wealth management business shows positive influence on the work performance. 5. Diligence and prudence will result in high performance: The financial consultants with personality traits of “diligence, prudence and achievement motivation” will get better work performance. 6. Excellent interpersonal ability is also helpful to wealth management: Good interpersonal relationship is helpful to the wealth management. Therefore, the financial consultants with personality traits of “extroversion and social ability” will get better work performance. 7. The incentives are inclined to material benefits: Among various incentives, the financial consultants think the monetary rewards are the most effective, followed by evaluation and promotion. On the other hand, the private interpersonal interaction is not helpful to the wealth management. Moreover, those who don’t concentrate on the wealth management, or don’t care the incentives, or think the evaluation of the supervisor is unfair, are unfavorable to improve the work performance improvement. Based on the study results, this study proposes the following suggestions: The work performance evaluation conducted by the supervisor should be diverse and fair. When recruiting the financial consultants, the supervisor should choose those with work willingness. The incentives should be recognized by the awardees, and the evaluation should be fair. The unit supervisor should care for the staff more, which will be helpful to the work performance improvement. As for the allocation of financial consultants, it should pay attention to “diligence and prudence” and “extroversion” of the personality traits. Moreover, it should establish effective incentive system to attract those who are willing to be engaged in this work. It also should conduct fair performance evaluation.

金融服務業乃一國經濟發展中重要樞紐，也是支持產業發展之經濟命脈。回顧台灣金融業近30年來的軌跡，可以說就是一部台灣經濟發展史的縮影。金融發展之於經濟成長，如同血液循環之於身體，一旦循環阻塞，健康立即出狀況。因此一旦金融機構資金中介角色不順暢，經濟成長肯定受到嚴重的打擊，同時產生不少社會問題。 2003年起，台灣各金控公司與銀行間，開始大力的拓展財富管理業務。T銀行則於2007年7月1日才正式開辦財富管理業務，在同業中是起步最晚。本研究旨就財富管理市場之經營特質，針對T銀行所屬全體理財專員，從各項人口統計變數中，探討對工作績效之影響，作為業者日後甄選理財專員、管理與培訓時建請卓參，俾利積極發展財富管理業務，超越同業，成為相關領域的巨擘。 本研究採用郵寄問卷調查法，對T銀行全體127位理財專員全面寄發，以Limdep 9.0統計軟體進行各項資料分析，並輔以實證模型分析來驗證各項假設，經研究後主要發現： T銀行的理財專員的教育程度、服務的地區、與顧客溝通使用的語言均與工作績效呈現顯著差異；而理財專員每日工作時數、擁有貴賓客戶數量，與工作績效呈現顯著正影響。理財專員擁有證照的張數，與工作績效呈現顯著負影響；理財專員在中、南部地區使用國語行銷則與工作績效呈現顯著負影響。 若採納研究建議，T銀行於財富管理業務上，當可獲致極大的進展。將於同業中取得優勢、營業績效蒸蒸日上，市占率將名列前矛。 / The financial services industry is one of the most important sectors for the economic growth and development of a country. It also functions as the lifeline supporting the development of business and industry of a nation. The business track for the past three decades of the financial services industry indeed reflects the overall big picture of Taiwan's economic development. Financial development to the growth of economy is just as the circulation of the blood to the body. Once the financial institutions fail the role of financial intermediaries, economic growth will undoubtedly have a grave impact resulting in a lot of social problems. Since 2003, Taiwanese financial holding companies and banks have been trying hard to develop wealth management business. T-Bank engaged in this business on July 1, 2007, which is the latest bank to start wealth management business in the industry. This study is to investigate the impact of demographic variables toward job performance, especially to the financial advisors in T-Bank, based on the operating characteristics of financial management market. The research results can provide valuable suggestions to T-Bank in terms of hiring, training and management of financial advisors, which can help to actively expand its wealth management business and make it a leading role in the industry. Using the mailed questionnaire method, 127 copies of questionnaire had been sent out to all the financial advisers of the T-Bank. All the data were analyzed by statistical software Limped 9.0. The empirical model was then utilized to verify all the hypotheses. The major findings of this study are as follows: There are significant differences between the work performance and the education level of the advisers, their serving area, the language they use when communicate with customers; their daily working hour and the number of VIP customers in individual account has significant positive influence to the work performance. The number of certificate each advisor possesses has significant negative influence to the work performance; conversing in Mandarin Chinese in central and southern Taiwan has significant negative influence to the work performance. T-bank will gain tremendous progress in wealth management business if it adopts the proposed suggestions in this study. It will also have strong competitive advantages among the industry. Its business will flourish and have the top rank in market shares.

近年來，金融環境的變遷，使金融業面臨很大的變化，金融業勢必提高非利息收入並發展不耗用資本的業務，因此財富管理業務成為銀行獲利來源重要的一環。理財專員是銀行財富管理業務的軸心，銀行理財專員的遴選便成為一項重要工作。 本研究採用五大人格特質理論的觀點，探討理財專員的人格特質與工作績效的關聯性。本研究以問卷調查方式，採用五大人格特質繁體中文量表，工作績效除了實際手續費收入之外，分為任務績效與脈絡績效，透過發放問卷由理財專員自評，問卷內容分為人口統計變項、五大人格特質量表及工作績效自評量表，研究對象為國內F銀行理財專員共183人，採用量化分析方法包括敘述性統計、皮爾森相關分析及迴歸分析，探討人格特質與工作績效的關聯性，實證結果發現： (1) 人格特質中的「經驗開放性」、「親和性」、「勤勉審慎性」及「外向性」與其工作績效是顯著有相關的，且皆屬於正相關。 (2) 「親和性」的人格特質對理財專員的「任務績效」及「脈絡績效」有正向的影響的。 (3) 「勤勉審慎性」的人格特質對理財專員的三項工作績效指標有正向的影響，而且該特質對於三項工作績效因素構面的影響力皆是最大的。 (4) 「經驗開放性」的人格特質對理財專員的三項工作績效指標有正向的影響。 (5) 「外向性」的人格特質對於理財專員的「脈絡績效」有正向的影響的。 本研究建議個案銀行日後在遴選理財專員時，可優先考慮選擇人格特質中具有「勤 勉審慎性」者，預期未來會有較佳的工作表現。 / In more recent years, changes in the financial environment are significant. Banks have to increase the profits from the non-interest income and develop the business not entailing Regulatory Capital. So the fee incomes from the Wealth Management Section become more important for banks. The financial advisor is the key factor of the Wealth Management Section. The selection of financial advisors is very important for the banks. The study is based on the view of the personality theory of Big-Five factor. The purpose of this study is to find the relationship between the personality traits of financial advisors and the job performance. The study involved a survey, comprised of three sets of questionnaires concerning demographics, Big-five personality and job performance. 183 financial advisors in the domestic F Bank participated in this study. The quantitative analysis of the questionnaires was conducted through descriptive statistics, Pearson correlation and regression analysis were used to indicate the direction and relationship between personality and job performance. The result of this study was showed as following： 1. Four of Big-Five factors including “Extraversion”, “Openness to Experience”, “Agreebleness” and “Conscientiousness” are positively correlated with job performance. 2. The factor “Agreebleness” has a positive effect on “task performance” and “contextual performance”. 3. The factor “Conscientiousness” has a positive effect on “task performance”, “contextual performance” and “fee income”. The factor “Conscientiousness” has the greatest effect on job performance among the Big-Five factors. 4. The factor “Openness to Experience” has a positive effect on “task performance”, “contextual performance” and “fee income”. 5. The factor “Extraversion” has a positive effect on “contextual performance”. Based on the results, the researcher recommends that F Bank select employees with personality trait “Conscientiousness” and “Conscientiousness” as the financial advisors. The researcher expects the financial advisors with personality trait “Conscientiousness” have better job performance.

隨著全球經濟發展及國際化之時代來臨，國民從事貿易及投資日趨頻繁，對金融服務之需求亦越來越高，多年下來，我國之金融業成長迅速，許多銀行紛紛成立，此外，亦吸引外國銀行前來設點。截至民國104年6月，本國銀行與外國、大陸銀行在台分行的總家數共有70家，超過3,000家的分行，若加計郵局的分支機構則有近5,000家的據點來提供金融服務，導致金融業競爭激烈，產生Overbanking的狀況，銀行最終淪為價格競爭，利差縮水，只剩下1.4%左右。有鑑於傳統之存放款業務已無法滿足客戶的需求，且利差過低，各家銀行無不透過創新，提供客戶更完善的金融服務，以創造新利基，而財富管理成為銀行業近年最重要的業務之一。 本研究旨在透過個案訪談的研究方式，探討資深理財專員、分行經理過去特別之經驗，將其撰寫為個案，並以策略行銷4C架構與銷售管理八大流程進行分析，歸納成功的關鍵原因如下： 一、外顯單位效益成本 1、提供金融商品價格、手續費優惠及合理之投資報酬率 2、以客為尊，提供親切、有人情味、完善之服務與照顧(達到心理層面) 3、簡化投資建議之報告與說明，降低投資人學習與時間成本 二、內隱交換成本 1、透過高素質理專與專業諮詢，建立投資人信任感與忠誠度 2、透過有錢人介紹有錢人之方式，有效降低新客戶之資訊搜尋成本、道德危機成本，提高專屬陷入成本

由於近年來國內金融環境丕變，「微利時代」來臨，在面對金融控股公司跨業平台整合行銷的競爭環境時，銀行組織也為此因應經營策略之改變而面臨調整，手續費收入也變成銀行獲利的另一項重要來源。也因為金融控股公司跨業銷售平台之建立，銀行貴賓理財服務便成為「財富管理」銀行極重要的一環，共同基金也躍居金融百貨化重要的金融商品，對於共同基金之商品屬性與各理財投資人行為之關聯性研究，則成為金融整合性行銷成功之關鍵要項。 本論文採用問卷調查法為工具，進行探索性研究。藉由對銀行貴賓理財客戶之問卷，瞭解其個人理財屬性及與商品屬性之關聯程度，用以對客戶之市場區隔、目標市場選擇，並提供業者制定行銷策略之參考。本研究透過問卷方式以理財投資人個人基本資料背景，了解每一不同理財投資人對購買共同基金的資訊來源、購買動機、選擇種類考慮要素與基金型態、及對理財專櫃認同度等看法與傾向。 經由本研究分析後發現以下主要結論： 1、影響購買共同基金的資訊來源，無論整體投資人或區分不同背景交叉 分析結果，主要以經由銀行行員介紹為主。 2、決定購買共同基金的動機，無論整體投資人或區分不同背景交叉分析 結果，主要為因存款利率太低，希望能有較高收益之替代性金融商 品。 3、選擇基金種類考慮因素，銀行顧客無論整體投資人或區分不同背景交 叉分析結果，主要多選擇風險較小的全球型基金，其次則為選擇以按 月固定配息的基金商品。 4、認為投資所得高低與經濟景氣同步關係程度，普遍多認為具有很大關 係，尤其教育程度愈高者愈能認同投資收益與景氣狀況具有關聯性。 5、購買共同基金投資型態優先順序，銀行之理財客戶，較多願選擇債券 型基金；女性投資人較偏重於債券型基金，男性投資人則略偏重於股 票型基金；年輕投資人有較高比率會選擇股票型基金外，隨著年齡增 加，購買債券型基金的比率相對提高。 6、銀行設立理財專櫃對個人理財投資影響性，多持有非常正面影響之看 法；年齡愈大的投資人，財富能力愈大，其愈需要理財專櫃的服務方 式；所得愈高者或家庭投資理財金額愈高者，對理財專櫃的需求亦愈 大。 7、購買理財商品時，可以討論及研究的對象，以銀行理財專員為最主要 諮詢對象；經由交叉分析結果，女性客戶多較願意與銀行理財專員保 持良好互動關係，做投資決策時會尋求銀行理財專員討論。