外文翻譯《淺談中國財富管理服務(wù)態(tài)度對國際銀行的啟示》.doc
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外文翻譯《淺談中國財富管理服務(wù)態(tài)度對國際銀行的啟示》,abstractpurpose ╟ in a time of global recession and customers’ pejorative perceptions of financial products, international banks need to understand the de...
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此文檔由會員 渭水亭榭 發(fā)布
Abstract
Purpose – In a time of global recession and customers’ pejorative perceptions of financial products, international banks need to understand the determinants of behavioral intentions of high-net-worth individuals when considering business tactics for capturing the lucrative wealth management services(WMS) markets. This paper aims to build a predictive model using the theory of planned behavior to determine behavioral intentions of Taiwanese nationals based in the People’s Republic of China (the PRC) in respect of their choice and decisions about WMS providers.
Design/methodology/approach – Two-phased sequential mix methods, based on the theory of planned behavior, are employed to investigate factors that influence the choice of wealth management services providers by Taiwanese based in the PRC. An elicitation study plus three pilot tests were administered for questionnaire development, refinement and finalization. The main study employs across-sectional study of Taiwan home nationals resident in China.
Findings – A cross sectional study of 227 Taiwanese nationals based in the PRC indicated that“Feeling of trustworthiness”, “Provision of flexible services”, and “Feeling of cultural affinity” are the most crucial among the ten factors related to their intentions and decision making about choice of WMS providers.
Practical implications – The results point to managerial implications of banks’ identity, deployment of expatriates, brand-image position and a regional portfolio platform for bank management to consider entry strategies into the PRC.
Originality/value – This research is the first empirical study in investigating the attitudinal dynamics on wealth management services and their implications to international banks in the PRC.
Keywords Wealth: Services marketing; China; Personal finance; Banking industry
摘要
目的 ——在全球經(jīng)濟衰退和客戶對于金融產(chǎn)品存在貶義看法的同時，國際銀行需要考慮在財富管理服務(wù)（WMS）獲取豐厚利潤情況下，高凈值個人的理財行為意圖的決定因素。本文旨在利用計劃行為理論建立一個預測模型，在尊重中國選擇的WMS供應(yīng)商的基礎(chǔ)上確定決定臺灣國民行為意圖的因素。
設(shè)計/方法/途徑——兩個階段的順序組合方法是基于計劃行為理論和中國大陸的實際情況調(diào)查的，影響其財富管理服務(wù)供應(yīng)商選擇的因素。整篇文章是由一個啟發(fā)式的研究，加上三個實驗管理問卷發(fā)展、完善和定稿的。主要是對居住在中國大陸的臺灣家庭進行的橫向的研究。
結(jié)果——針對中國227個臺灣國民的橫向研究表明：“可信的感覺”，“提供靈活的服務(wù)”，“文化親和力的感覺”，是影響他們決定選擇WMS供應(yīng)商十大因素中關(guān)鍵的幾個。
獨創(chuàng)性/價值 —— 這項研究是首次用實證研究的方法，調(diào)查中國國民對財富管理服務(wù)的態(tài)度及國際銀行在中國的影響。
關(guān)鍵詞：財富； 服務(wù)營銷；中國；個人理財；銀行業(yè)
Purpose – In a time of global recession and customers’ pejorative perceptions of financial products, international banks need to understand the determinants of behavioral intentions of high-net-worth individuals when considering business tactics for capturing the lucrative wealth management services(WMS) markets. This paper aims to build a predictive model using the theory of planned behavior to determine behavioral intentions of Taiwanese nationals based in the People’s Republic of China (the PRC) in respect of their choice and decisions about WMS providers.
Design/methodology/approach – Two-phased sequential mix methods, based on the theory of planned behavior, are employed to investigate factors that influence the choice of wealth management services providers by Taiwanese based in the PRC. An elicitation study plus three pilot tests were administered for questionnaire development, refinement and finalization. The main study employs across-sectional study of Taiwan home nationals resident in China.
Findings – A cross sectional study of 227 Taiwanese nationals based in the PRC indicated that“Feeling of trustworthiness”, “Provision of flexible services”, and “Feeling of cultural affinity” are the most crucial among the ten factors related to their intentions and decision making about choice of WMS providers.
Practical implications – The results point to managerial implications of banks’ identity, deployment of expatriates, brand-image position and a regional portfolio platform for bank management to consider entry strategies into the PRC.
Originality/value – This research is the first empirical study in investigating the attitudinal dynamics on wealth management services and their implications to international banks in the PRC.
Keywords Wealth: Services marketing; China; Personal finance; Banking industry
摘要
目的 ——在全球經(jīng)濟衰退和客戶對于金融產(chǎn)品存在貶義看法的同時，國際銀行需要考慮在財富管理服務(wù)（WMS）獲取豐厚利潤情況下，高凈值個人的理財行為意圖的決定因素。本文旨在利用計劃行為理論建立一個預測模型，在尊重中國選擇的WMS供應(yīng)商的基礎(chǔ)上確定決定臺灣國民行為意圖的因素。
設(shè)計/方法/途徑——兩個階段的順序組合方法是基于計劃行為理論和中國大陸的實際情況調(diào)查的，影響其財富管理服務(wù)供應(yīng)商選擇的因素。整篇文章是由一個啟發(fā)式的研究，加上三個實驗管理問卷發(fā)展、完善和定稿的。主要是對居住在中國大陸的臺灣家庭進行的橫向的研究。
結(jié)果——針對中國227個臺灣國民的橫向研究表明：“可信的感覺”，“提供靈活的服務(wù)”，“文化親和力的感覺”，是影響他們決定選擇WMS供應(yīng)商十大因素中關(guān)鍵的幾個。
獨創(chuàng)性/價值 —— 這項研究是首次用實證研究的方法，調(diào)查中國國民對財富管理服務(wù)的態(tài)度及國際銀行在中國的影響。
關(guān)鍵詞：財富； 服務(wù)營銷；中國；個人理財；銀行業(yè)
