外文翻译《浅谈中国财富管理服务态度对国际银行的启示》.doc
约11页DOC格式手机打开展开
外文翻译《浅谈中国财富管理服务态度对国际银行的启示》,abstractpurpose ╟ in a time of global recession and customers’ pejorative perceptions of financial products, international banks need to understand the de...
内容介绍
此文档由会员 渭水亭榭 发布
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 ——在全球经济衰退和客户对于金融产品存在贬义看法的同时，国际银行需要考虑在财富管理服务（WMS）获取丰厚利润情况下，高净值个人的理财行为意图的决定因素。本文旨在利用计划行为理论建立一个预测模型，在尊重中国选择的WMS供应商的基础上确定决定台湾国民行为意图的因素。
设计/方法/途径——两个阶段的顺序组合方法是基于计划行为理论和中国大陆的实际情况调查的，影响其财富管理服务供应商选择的因素。整篇文章是由一个启发式的研究，加上三个实验管理问卷发展、完善和定稿的。主要是对居住在中国大陆的台湾家庭进行的横向的研究。
结果——针对中国227个台湾国民的横向研究表明：“可信的感觉”，“提供灵活的服务”，“文化亲和力的感觉”，是影响他们决定选择WMS供应商十大因素中关键的几个。
独创性/价值 —— 这项研究是首次用实证研究的方法，调查中国国民对财富管理服务的态度及国际银行在中国的影响。
关键词：财富； 服务营销；中国；个人理财；银行业
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 ——在全球经济衰退和客户对于金融产品存在贬义看法的同时，国际银行需要考虑在财富管理服务（WMS）获取丰厚利润情况下，高净值个人的理财行为意图的决定因素。本文旨在利用计划行为理论建立一个预测模型，在尊重中国选择的WMS供应商的基础上确定决定台湾国民行为意图的因素。
设计/方法/途径——两个阶段的顺序组合方法是基于计划行为理论和中国大陆的实际情况调查的，影响其财富管理服务供应商选择的因素。整篇文章是由一个启发式的研究，加上三个实验管理问卷发展、完善和定稿的。主要是对居住在中国大陆的台湾家庭进行的横向的研究。
结果——针对中国227个台湾国民的横向研究表明：“可信的感觉”，“提供灵活的服务”，“文化亲和力的感觉”，是影响他们决定选择WMS供应商十大因素中关键的几个。
独创性/价值 —— 这项研究是首次用实证研究的方法，调查中国国民对财富管理服务的态度及国际银行在中国的影响。
关键词：财富； 服务营销；中国；个人理财；银行业
