Comparing Investment Performance between Equity-based and Interest-rate-based Insurance Products─ A Case Study Approach
| Autor: | Li. Ji -Yan, 李季姸 |
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| Rok vydání: | 2010 |
| Druh dokumentu: | 學位論文 ; thesis |
| Popis: | 98 In response to a rapidly changing financial environment, the banks’ return is reducing which due to his narrowing spread from deposits and loans. On the other hand, interest income of depositors is gradual decreasing what is caused by the global low rate of interest. For above mentioned disadvantages, the banks will shift their policy to make fee income instead of Net Interest Income (NII), what the banks are relying on the tailor-made asset based allocation. The Banks are abided by the “Notification of dealing with wealth management business” which be released from FSC in February 2005, developing wealth management business for their high net worth clients. In according to customers’ demand of those financial planning as well as portfolio allocation, the banks are providing the scope of various financial products and services to increase their revenues through authorized wealth relationship managers. Given the difficulties of operation, government policy, opening up competition, and the steady stream of new financial products in the financial services sector, financial institutions create their profits in a wide range of derivatives through the design of computer technology. All purposes of different investment planning for clients are to assist them get a higher return than the risk-free financial products, therefore they makes clients and banks a win-win situation. Banks have set up department of asset management as well as relationship managers of wealth management to strengthen their professional knowledge and skill. They intend to provide adequate financial advises through those relationship managers in line with the competent authority norms, the duty of good administrator, and KYC (Know Your Customer). In this study, we compared with two products of insurance linked to the different content. Analysis of past returns, the associated risks, and investment in point of time whether the consequent of the current debt structure is consistent with the original forecast. Thus we make subsequent recommendations to investors who should notice in similar products in future. |
| Databáze: | Networked Digital Library of Theses & Dissertations |
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