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| Title: | 應用生成式人工智慧於銀行財富管理業務之研究－以H銀行為例
Application of generative artificial intelligence in banking wealth management-A case study of H bank |
| Authors: | 游仁政
Yu, Jen-Cheng |
| Contributors: | 韓傳祥
Han, Chuan-Hsiang
游仁政
Yu, Jen-Cheng |
| Keywords: | 生成式人工智慧
財富管理
Generative AI
Wealth management |
| Date: | 2025 |
| Issue Date: | 2025-09-01 15:30:15 (UTC+8) |
| Abstract: | 生成式人工智慧（Generative AI，簡稱 GenAI）正加速金融業數位轉型，財富管理為其優先應用領域之一。本研究以尚未於財富管理業務導入 GenAI 的 H 銀行為例，透過問卷調查該行理財人員與主管（153 份樣本），並訪談兩位具相關實務經驗的金融科技專家，從操作實務與技術規劃面向，探討 GenAI 的應用潛力與導入挑戰。研究結果顯示，客戶資料彙整與需求萃取、基金保險商品與稅務法令/作業規範查詢，以及話術模擬訓練等情境，最獲受訪者認同。受訪者普遍持審慎樂觀態度，認為 GenAI 在涉及交易建議時仍須保留人工審閱機制，並強調可解釋性與教育訓練對提升應用效率的關鍵角色。導入挑戰則集中於資料整合與技術部署，信任建立亦為重要前提，建議採分階段導入，並同步完善配套措施。
Generative Artificial Intelligence is accelerating the digital transformation of the financial industry, with wealth management identified as one of its key application domains. This study focuses on H Bank, which has not yet implemented GenAI in its wealth management operations. Through a survey of 153 financial advisors and supervisors, complemented by in-depth interviews with two fintech experts with relevant implementation experience, this research explores the application potential and implementation challenges of GenAI from both operational and technical perspectives. The findings indicate that use cases such as customer data consolidation and demand extraction, product and regulatory information retrieval（e.g., funds, insurance, tax laws）, and sales script simulation are widely recognized by respondents. While participants expressed cautious optimism, they emphasized the need for human review in transaction-related scenarios and highlighted explainability and training as critical to enhancing usage effectiveness. Key implementation challenges include data integration and technical deployment, while trust-building remains a fundamental prerequisite. The study recommends a phased approach to adoption, accompanied by supporting measures to ensure successful implementation. |
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| Description: | 碩士
國立政治大學
國際金融碩士學位學程
112ZB1044 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0112ZB1044 |
| Data Type: | thesis |
| Appears in Collections: | [國際金融碩士學位學程] 學位論文
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