Finance service industry is in a country economic development an important link, the bank, because has the superiority which the customer wealth and the fund flow, to seek the profit then development wealth management service. ¡§in 2010 the Asian and Pacific area wealth reports¡¨, reports pointed out that in 2009 Taiwan wealthy public figure population is 82,800 people, compared rises 42.3% the year before last, the wealth resultant rises 49.6% to 2,640 hundred million US dollars, two rises both were situated in the Asian and Pacific area third. Now in the bank system's floating capital reaches as high as more than 6.2 trillion new Taiwan dollars, is the wealth management very big market. At present the banking industry reaches the focal point direction yearly income 3 million new Taiwan dollars above Pyramid peaks the guest level, promotes to measure the wealth which the body subscribes does to manage the bank personally, every year the wealth manages the market the property scale, may amount to above at least 1.5 trillion new Taiwan dollars. But, Taiwan banking industry wealth manages customer's degree of satisfaction to be actually getting more and more low, therefore the banking industry must have province to think, pondered how should promote the service quality, establishes the enterprise image, further promotes the customer degree of satisfaction, lets the customer be willing to maintain the good intercourse relations with the bank. This research is mainly discusses service of quality, the enterprise image and the customer degree of satisfaction three between the bank wealth management service relatedness, The understanding between correlation degree, enables the bank entrepreneur mutually to pay attention to customer's feeling, takes management which the customer relates, and further understood that the wealth manages the market development the tendency. v This research mainly aims at the bank wealth to manage the customer is an object, by the questionnaire survey way, carries on the material the collection, discusses between various variables using the statistical real diagnosis's method the linear relationship, comes overall analysis during each variable positive and negative to the relational degree, according to the real diagnosis result proposed that the conclusion and the concrete suggestion, improve the wealth management service as the banking industry the service quality, establishes the enterprise image, so as to and enhances reference of the customer degree of satisfaction. The findings are discovered as follows: (1) the bank service quality has to the enterprise image obviously to it influence; (2) the bank service quality is having to the customer degree of satisfaction obviously to it influence; (3) the bank enterprise image is having to the customer degree of satisfaction obviously to it influence; (4) different population statistic variable, the marital status and the age two items have the line regarding the service quality and the reliability have the remarkable difference; As well as (5) the marital status also has the remarkable difference regarding the enterprise image. In management meaning, under the present competition intense finance environment, The bank wealth management service not only need strengthen the service the quality, should establish the customer to the enterprise image cognition, then enhances customer's degree of satisfaction, expresses and between the customer and for a long time close intercourse relations.

Abstract Under long-term incandescent competition, the difference of product features of banking business is more and more smaller. Only which could supply service can emerge. To establish difference of wealth management service, the high quality enterprise image to attract consumers is needed besides supplying valuable finance planning and professional financing commissioner¡¦s customer relationship administration. Establishing brand image and good communication with consumers are the principal tools of building wealth management bank. This study reviewed related documents to understand the wealth management service actualities of VIP financing center. The questionnaire in the point view of consumer was used to investigate good brand image of wealth administration for public. In order to set a construct model of brand image and supply marketing policy for banks, demonstration analysis method was also adopted. The results of this study are followed: 1. The bank wanting to create higher brand image should start from brand identification and brand orientation. This result agrees with the brand image definition made by Aaker, Kapferer, Keller and Biel. The brand image means consumers¡¦ cognition of brand attribute, in another words, it was represented due to development of brand orientation, result of communicating action and consumers¡¦ memory associating with brand in thinking. It was believed that, to construct the brand image of wealth management bank should start from brand orientation to brand identification. And careful planning could construct brand image effectively. 2. The bank desiring to construct their brand image from brand orientation effectively should strengthen their wealth administration to satisfy customer¡¦s empirical requirement. For example, preparing perfect service illustration data, sharing initiative timely information, supporting integrated-bill monthly and global market analysis report, evaluating investment performance regularly, establishing faith and interaction between consultant and consumer, and paying much attention to consumers¡¦ requirement such as attitude and timing of treating customer¡¦s opinion.

A Study on the relationships between financial advisors¡¦ perceived quota difficulty, customer orientation, job satisfaction and turnover intention- Using Kaohsiung area wealth management banking sector as an example Abstract: In retrospect over the changes of past few decades, service industry has gradually become the largest industry in Taiwan and wealth management banking services has become the most desired financial services over the past few years. Despite that wealth management service has already been in existence in the western world for a long period of time, it is still in its infant stage for the domestic banking sector. In the face of fierce competition, gaining highest profit with lowest risk has been the objective of every bank in Taiwan. How to strengthen the service quality, enhance productivity and retain qualified financial advisor has been financial players¡¦ utmost goal. Thus, this study aims to study the relationships between financial advisors¡¦ perceived quota difficulty, customer orientation, job satisfaction and turnover intention. This research utilizes questionnaire study method and using SPSS for Windows as the tool to conduct statistical analysis, including reliability test, descriptive analysis, ANOVA test, correlation and regression analysis. The research findings are as follow: 1. There has been partial significant difference for individual variables¡¦ with respect to their perceived quota difficulty, customer orientation, job satisfaction and turnover intention 2. There are significant negative correlations between financial advisors¡¦ perceived quota difficulty and customer orientation as well as job satisfaction. 3. There are significant positive correlations between financial advisors¡¦ perceived quota difficulty and turnover intention. 4. There are significant positive correlations between financial advisors¡¦ customer orientation and job satisfaction. 5. There are significant negative correlations between financial advisors¡¦ customer orientation and turnover intention. 6. There was no significant evidence of mediation for customer orientation with respect to perceived quota difficulty and job satisfaction. Given the research results, the financial institutions should seriously look into setting up a reasonable sales quota while simultaneously stress the importance of customer oriented service. The human resources department should establish a comprehensive and thorough benefit policy and training program to enhance employee job satisfaction and reduce turnover intention. On balance, customers and employees are the two most valuable assets for a firm. Only happy employees and excellent service quality can create utmost value and profit for a firm. Key words: wealth management, salespeople (financial advisor), perceived quota difficulty, customer orientation, job satisfaction, turnover intention.

Investment and wealth management are more important to customers than before. Bankers make the most of the market of wealth management. Relationship marketing plays an important role in this kind of situation. Relationship marketing is also the key factor of bankers¡¦ differentiation. According to literatures, this paper is to study the effect of ¡§the attributes of investor¡Bthe attributes of consultant¡Brelational selling behavior and corporate image¡¨ on the relationship quality. Refer to the paper of Morgan and Hunt (1994), the Key Mediating Variables Model describe that ¡§commitment and trust¡¨ are the key factors of success in the relationship marketing. So this paper adopts the concept of Key Mediating Variables Model, and uses ¡§commitment and trust¡¨ to discover the relationship quality between customers and consultants. This paper also discovers the effect of relationship quality on the customer satisfaction. Study Discovery: The customers¡¦ amount of investment and risk preference are not found to affect relationship quality significant effects. The expertise of the consultant has significant and positive effects on the relationship quality. Contact frequency and disclosure have significant and positive effects on the relationship quality. Corporate image is not found to affect relationship quality significant effects. Relationship quality has significant and positive effects on the customer satisfaction.

The research aims to combine various quantity models to set up a working platform that can apply to the wealth management business, including the analysis of product¡¦s return, reflection of investors' idiosyncrasy and construction of investment portfolio, building a succession of procedure hope to become the standard of the work. Regarding constructing the model, the style analysis, Black-Litterman Model and risk budget three quantitative method were adopted for three major pillars of wealth management factor model to disassemble the return of funds, allocate the assets and optimize manager structure. The materials range is from 2003 to 2007, use style analysis to disassemble the return of 115 funds that sell in Taiwan into 14 index. Incorporate investor's expectancy of market performance and suggest the assets allocation by Black-Litterman model. Join 14 index funds and 14 enhance index funds, carry on the disposition of the optimizing manager structures with the risk budget to determine the suggested fund portfolio finally. By selecting the funds with best total return in the past year forms the contrasting portfolio to compare the investment style of portfolio and characteristic of return with the models. Finding in the experience, contrasting portfolio is superior to suggested portfolio in active return only, both portfolios are similar in total return. In further consideration of the trade-off effect of return and risk in both portfolios, the suggested portfolio of the model is better than the contrasting portfolio either in IR or in Sharpe Ratio. In addition, if investors choose funds on the basis of total return, it may cause the style of whole portfolio too centralized throw the total risk in high level.

Charles and Lynn(2004)認為財富管理的定義，是由不同型態的投資工具組成，透過理財專員釐清投資目標、風險承受度及達成目標的時間，進行有系統規劃，創造客戶最高報酬。然而台灣銀行業在雙卡風暴後，紛紛轉戰財富管理市場，透過產品銷售，搶佔客戶荷包，收取手續費，創造銀行獲利。事實上，銀行的理財專員仍以產品銷售導向，將投資性產品賣給客戶，這樣的模式與財富管理的精神相差甚遠，銀行瞭解這樣經營下，未能讓銀行持續高成長，於是國內領導銀行為突顯差異化經營，已開始導入理財規劃，企圖開創新局，讓獲利持續成長。 經本研究調查，國內理財專員的銷售管理制度，從銷售規劃的獎金制度及績效衡量，仍是以產品收益為主要目標，生產力更是主要年度評量指標，這樣的銷售管理並無法真正落實理財規劃，本研究利用個案研究方式，探索國外成功經驗的銷售規劃，比較國內銀行的差異，提出落實理財規劃時，在銷售管理的建議方式。 首先，針對獎酬規劃應調整為重視質化數據及量化績效，兩者比重差異不應差距太大，質化數據讓理財專員重視高資產淨值客戶的滿意度及銷售流程，量化評量著重於客戶資產的淨增、理財規劃的完整性及投資分散，而不是只重視生產力及銷售量；其次理財專員在理財規劃的專業能力，也應同時提昇，在導入理財規劃時，應重視銷售流程及執行能力，並透過檢測機制讓主管與理財專員專注客戶價值；最後，主管在年度評量升遷或獎金時，將不在只是提拔銷售績效佳的理財專員，應該重視真正落實理財規劃的同仁。 國內財富管理業務近三年雖然有兩位數成長，國外個案分析後發現，落實理財規劃有高達70%的成長率，同時客戶滿意度及往來資產明顯提昇，透過此次研究，提供國內銀行導入理財規劃制度時，在銷售管理的調整與建議。

Conversational UI (CUI) like voice assistant and chatbot are being introduced to provide 24x7 enquiry response, advice and technical support. This study aims at assessing User Experience related factors, which reinforce Trust between Wealth Management customer and the CUI in tasks normally performed by Relationship Managers. Given the financial and resource constraints of the thesis, semi structured interviews and Wizard of Oz experiments were chosen as the methods of study. These methods helped in delving deep into user issues within limited time period. The study finds that investors were happy to get response in text and graphics mode but not in voice since the information was considered confindential. There were apprehensions in using chatbot for getting investment advice. Findings of this study may be helpful to wealth management organisations in designing conversation UI strategy. However, the study was conducted with clients in India, hence the findings are more relevant to countries with similar socio-cultural conditions. / Konversationsgränssnitt (Conversational UI, CUI) som röstassistent och chatbot tas i bruk för att ge 24x7 svar, råd och teknisk support. Denna studie syftar till att bedöma användarupplevelse-relaterade faktorer som förstärker förtroendet mellan förmögenhetsförvaltningskunder och CUI i uppgifter som normalt utförs av kundansvariga. Med tanke på de finansiella och resursbegränsningarna i avhandlingen, valdes halvstrukturerade intervjuer och Wizard of Oz-experiment som studiemetoder. Dessa metoder bidrog till att gräva djupt in i användarproblem inom en begränsad tidsperiod. Studien konstaterar att investerare var nöjda att få svar i text och grafik, men inte i röst eftersom informationen ansågs konfidentiell. Det fanns en oro för att använda chatbot för att få investeringsrådgivning.

L'obiettivo della ricerca è evidenziare se l'investimento in beni non finanziari è preso in considerazione dalle private banks operanti in Italia nella costruzione dei portafogli dei loro clienti facoltosi, se nel processo di ottimizzazione siano seguite le logiche della modern portfolio theory e quali modalità vengono adottate nella fase di presentazione delle performance. si procede quindi ad esaminare gli investimenti in oro, in arte, in diamanti, in vino e in immobili per verificarne gli impatti sulla rischiosità e sulle performance di portafoglio. / The goal of this thesis is to verify if private banks that operate in Italy use goods as investment for diversifying HNW or U-HNW individuals portfolio, if they take in consideration the modern portfolio theory for asset allocation and how performances are presented to investors. So it analyses the investment as gold, real estate, art, diamond and wine to achieve the impact of them on portfolio risk and performance.

The main thrust of this study argues that failure to account for the notion of power in considering learning in social contexts—like a working environment—inevitably presents an incomplete and unrealistic account of how learning actually is. Literature suggests that mainstream scholars and theorists have arguably pushed issues regarding the inter-connectedness of power and knowledge to the peripheral—resulting in both a paucity of theoretical coverage and empirical work on the subject. Through an interdisciplinary approach, this study takes inspiration from Foucault’s conceptualization of power—argued to provide a useful analytical framework for exploring power. Implications on how power impacts on learning in a contemporary workplace is viewed through the key ideas of ‘situated learning in communities of practice’ (Lave and Wenger). This study proposes that Foucault’s conceptualizations of power—regarding power as being relational and interconnected to knowledge—allows for a useful analytical framework that can sensitize our efforts towards understanding the power effects of knowledge with regards to learning at, and through, work practices, ultimately enabling us to re-work the concepts of ‘communities of practice’. The context of this study represents a professional knowledge-intensive workplace—Private Wealth Management (also referred to as Private Banking). Such contemporary work contexts—suggested to represent rather different environments vis-à-vis craft-like professions, for example—are argued to represent a more complex, conflicted and competitively-induced platform for learning. The wider regulatory environment was found to have strong influences in shaping the learning environment, representing both opportunities and restrictions for the bankers. Assessment based, compliant-driven and structured-training efforts were key drivers of the learning environment. Social interpersonal skills and professional relationships were observed as being integral and found to involve elements of power inequality, both within and across boundaries to which participants mediated, negotiated and often times obfuscated to effect power shifts through their discursive practices. Skills and perspectives, with regards to learning, evolved as the banker’s career trajectory progressed. Power punctuated not only the social network of relationships, but was also noted at the organizational level, via both explicit and implicit controls. Participants described purposeful thoughts and actions: mediating learning and strategizing outcomes in the respective environments with conflicted identity that requires balancing self, belongingness and directed efforts towards meeting the expectations of organization, respective clients and self.

Le notaire a une fonction essentielle pour conseiller les familles dans la gestion de leur patrimoine. Il intervient directement ou indirectement en matière d'optimisation fiscale. Pour les riches et les ultra-riches, son rôle peut être déterminant dans la construction des schémas d'optimisations fiscales. La plus-value du conseil notarial réside dans la vision à la fois juridique et fiscale. Son intervention s'étend également dans les dossiers internationaux. L'expertise du notaire français en droit international privé et en fiscalité international du patrimoine permet d'accompagner les projets familiaux et patrimoniaux transfrontaliers. / The french notary has an essential function to advise families in the management of their heritage. He actes directly or indirectly for the files of tax optimization. For the high-net-worth individuals (HNWI) and the ultra high-net-worth individuals (UHNWI), his role can be determining in the construction of the plans of tax optimizations. We find the added-value of the French notary advise in its legal and tax skills The intervention of the French notary also extends in the international cases. The expertise of the French notary in private international law and in taxsystem international allows to accompany the cross-border family and international wealth structuring.