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研究生:李聿歡
研究生(外文):Yu-Huan Lee
論文名稱:金融創新理財機器人應用之個案研究
論文名稱(外文):A Case Study of Financial Innovation on Appliance of Robo-Advisors
指導教授:劉代洋劉代洋引用關係
指導教授(外文):Day-Yang Liu
口試委員:鄭仁偉邱敬仁
口試委員(外文):JEN-WEICHENGCHING-JEN CHIU
口試日期:2018-06-13
學位類別:碩士
校院名稱:國立臺灣科技大學
系所名稱:財務金融研究所
學門:商業及管理學門
學類:財務金融學類
論文種類:學術論文
論文出版年:2019
畢業學年度:107
語文別:中文
論文頁數:51
中文關鍵詞:理財機器人金融創新金融科技自動化理財顧問
外文關鍵詞:FintechFinacial innovationAIRobo-Advisor
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隨著網路逐漸普及、智慧型手機的出現,人類的生活與科技愈來愈密不可分,隨
處可見運用科技的軌跡。而金融科技(Financial Technology, FinTech)正是一個非常好的
例子。
2008 年金融海嘯過後,各國投注在金融科技的發展不減反增。本來一直限定在
金融機構內提供的服務,漸漸可以透過行動通訊、大數據分析、雲端科技等技術及創
新由非金融業者來提供。近年更開始興起機器人理財,其理念為透過人工智慧的演算
結合大數據,分析市場的波動與可能的投資方向,再結合金融領域的知識,建構模型
以判斷該金融產品的未來發展、潛力,最後則是透過充分了解客戶,幫客戶進行資產
配置以及後續對投資組合的追蹤及再平衡。
以 AI 為基礎的技術持續創新,將連帶使理財機器人加速發展。本研究透過蒐集
過去文獻、金融機構研究報告、各國案例以及結合實地訪談個案公司,得出理財機器
人現階段雖無法比擬傳統理財專員,但在未來會朝以仿效真人為目標,從而增加推薦
金融產品的效率以及提高原本理財專員之產出,並與之共同提供更好的服務給顧客。
With the gradual popularity of the Internet and the emergence of smart phones,
human’s life and technology have become more and more inseparable. The trajectory of
the use of technology can be seen everywhere and fintech is a very good example of that.
After the financial tsunami in 2008, the investment on fintech development in all
countries has continued to increase. Some services which use to be limited in financial
institutions can gradually be provided by other non-financial companies such as mobile
communications, big data analysis, and cloud technology. In recent years, Robo-Advisors
has begun to emerge. The idea is to combine big data with artificial intelligence
calculations to analyze market fluctuations and possible investment directions. Then
combine the financial knowledge to construct models to determine the potential of those
financial products. Finally, by deeply understanding customers, Robo-Advisors assist
customers in allocating assets, tracking and rebalancing their investment portfolios.
Technology with AI-based will accelerate the development of Robo-Advisors. In this
case study, we collected lots of past literature, financial institution research reports, other
national cases and combined field interviews with a company we chose. Finally we make a
conclusion that although at this time Robo-Advisors cannot provide a service which is as
better as those traditional financial managers. However, in the future, they will make some
progress to assist traditional financial managers in improving their efficency and
productivity.
摘 要 ·····································································································I
ABSTRACT ····························································································II
誌 謝 ···································································································III
目 錄 ···································································································IV
圖目錄··································································································VI
表目錄·································································································VII
第壹章 緒論·······················································································1
第一節 研究動機與背景 ·································································1
第二節 研究目的 ··········································································2
第三節 研究範圍以及結構框架 ························································2
第四節 研究限制 ··········································································4
第貳章 文獻探討·················································································5
第一節 金融科技的發展 ·································································5
第二節 理財機器人 (Robo-Advisor)···················································7
第參章 研究方法················································································15
第一節 研究設計 ·········································································15
第二節 個案訪談 ·········································································16
第肆章 產業分析與個案公司簡介···························································17
第一節 理財機器人各國的發展現況與應用 ········································17
第二節 各國機器人理財應用的案例 ·················································29
第伍章 個案分析················································································33
第一節 經營策略面分析 ································································33
第二節 預計執行效益分析 ·····························································37

V

第三節 未來規劃與因應對策 ··························································38
第陸章 結論與建議·············································································39
第一節 研究結論 ·········································································39
第二節 研究建議 ·········································································40
參考文獻·······························································································41
(一) 中文部分 ·········································································41
(二) 英文部分 ·········································································42
(三) 網路資料 ·········································································43
中文部分
1. 尤美淑(2016),金融科技服務創新對投資人信任感之探討-以理財機器人為例,
碩博士論文。
2. 泓志麟、賴冠妤、陳國瑞、呂馥伊(2016),機器人投資顧問(Robo-Advisors)國
內實務相關法令與管理措施研究,中華民國證券投資信託暨顧問商業同業公
會。
3. 邱暉雯(2016),傳統理財顧問面對理財機器人挑戰之研究,碩博士論文。
4. 金融科技發展策略白皮書(2016),金融監督管理委員會。
5. 柯侑吟(2016),台灣金融環境下的資產管理和理財機器人之研究,碩博士論文。
6. 張弘一(2017),理財機器人的崛起對於財富管理之銀行理財專員的影響,碩博
士論文。
7. 許淙茗(2016),理財機器人之商業創新模式-以 W 公司為例,碩博士論文。
8. 陳郁涵(2016),論機器人理財顧問之發展現況,碩博士論文。
9. 馮明華、胡相斌、熊雙、石春生、錢鈞(2017),智能投顧發展現狀與監管研究,
中國證券期刊,第 8 期。
10. 黃梁瑞、林郁珊(2016),自動化投資理財顧問(Robo-Advisor)之發展,證券期貨
月刊,第 34 卷,第 10 期
11. 蔡麗婷(2016),台灣機器人理財新創公司之商業模式分析:以 T 公司及 F 公司為
例,碩博士論文。


(二) 英文部分
1. Accenture (2015), “The Rise of Robo-Advice : Changing the Concept of Wealth
Management.”
2. AT Kearney (2015), “Hype vs. Reality: The Coming Waves of Robo.”
3. Baker, Tom; Benedict G.C., Dellaert (2018), “Regulating Robo Advice Across the
Financial Services Industry.”
4. Brummer, Chris; Daniel, Gorfine (2014), “FINTECH-Building a 21st Century
Regulator’s Toolkit.”
5. Business Insider (2016), “The Robo Advising Report: Market forcasts, key growth
drivers, and how automated asset management will change the advisory industry.”
6. Deloitte (2015), “Robo-Advisors: Capitalizing on a growing opportunity.”
7. EY (2015), “Advise goes virtual.”
8. Fisch, Jill E;Marion, Laboure; John A, Turner (2017), “The Economics of Complex
Decision Making: The Emergence of the Robo Adviser.”
9. Kilic, Mehmet; Mateusz, Dolata; Gerhard, Schwabe (2017), “Why do you ask all
those questions? Supporting client profiling in financial service encounters.”,
Proceedings of the 50th Hawaii International Conference on System Sciences, p.4696
10. Melanie, L. Fein (2015) “Robo-Advisors: A Closer Look By.”
11. Rättyä, Jere (2016), “March of the Robo-advisors - The potential for global expansion
of digital asset management platforms.”
12. Strzelczyk, Bret E. (2017), “Rise of the Machines: The Legal Implications for
Investor Protection with the Rise of Robo-Advisors.”, DePaul Business and
Commercial Law Journal.
13. Traff, Jason D,(2016),”The Future of the Wealth Management Industry: Evolution or
Revolution?”, MIT Sloan School of Management in Partial Fulfillment of the
Requirements of the Degree of Master of Business Administration, p.26-41,51
14. World Economic Forum. (2015), “The Future of FinTech -- A Paradigm Shift in Small
Business Finance”, World Economic Forum.


(三) 網路資料

1. http://fund.jrj.com.cn/2018/01/17113323960197.shtml
2. http://p2p.daokoudai.com/2016099846.html
3. http://uk.businessinsider.com/nutmeg-review
4. http://www.businessinsider.com/betterment-wealthfront-robo-advisor-comparison
5. https://blog.tradingvalley.com/2016/10/20/%E7%99%BE%E8%8A%B1%E7%88
%AD%E9%B3%B4-%E6%8E%A2%E7%A9%B6%E7%BE%8E%E5%9C%8B
%E7%9A%84%E6%A9%9F%E5%99%A8%E4%BA%BA%E7%90%86%E8%B
2%A1%E6%9C%8D%E5%8B%99/
6. https://kknews.cc/zh-tw/finance/g2364my.html
7. https://moneytothemasses.com/saving-for-your-future/investing/nutmeg-review-ri
ght-investment
8. https://www.altus.co.uk/media/1694/sei-innovation-altus-robo-advice-event-2502
16.pdf
9. https://www.ipsos.com/sites/default/files/2017-07/IpsosMarketing_POV_RoboAd
visors.pdf
10. https://www.leiphone.com/news/201612/e3PWGQTh2rLTCeTv.html
11. https://www.leiphone.com/news/201707/R7ZVqe443Ood4Nhw.html
12. https://www.o-bank.com/retail/wm/robot
13. https://www2.deloitte.com/content/dam/Deloitte/lu/Documents/financial-services/
lu-emerging-models-digital-wealth-advisory-04102017.pdf
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