Study On The Characteristics Of Wealth Management In Mainland China: An Aspect From The Banking In Taiwan

In all bank retail business the wealth management service involves the scope is the broadest, the transaction behavior is the most complex. Not only along with Chinese economy rapidly expand and rich person's fast increase, high-end customer demand deposit and loan. They also hope to be able because of the financial commodity investment accumulated wealth. Therefore, specialized managing finances demand also massive promotion.Speaking of the Chinese area's traditional bank, inside, they facing on the customer demand increasing, outside, they also facing on the globe competitors.Gradually, they realized that they can't survive only depend on the interest return.Therefore, all commercial banks put their resources on wealth management service positively. They hoped that they can find a new way from the wealth management.This research's background is the wealth management development.Looks at China's wealth management from the angle of Taiwan banking industry.Reorganizes challenges and difficult positions which Chinese personal financing business faces today and proposes the following three research subject:1. Chinese customer investment behavioral analysis.2. Calculates the risk of wealth management's customer.3. Investment profolio.This research collection customer and market correlation data by depth interview.From psychology, behavior finance, management science explanation customer investment behavior. Points out the distinctive quality in Chinese wealth management customer and market.Then, by risk-like questionnaire and risk-withstanding questionnaire, union customer real risk and their own cognition. Using BP network analysis customer risk and providing an analysis model to commercial banks.In the end, mixing customer's characteristics and risk like. Provide different Investment choices to each customer groups by invests on different markets and depends on different invest thinking.