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完整後設資料紀錄
DC 欄位 | 值 | 語言 |
---|---|---|
dc.contributor.advisor | 王文宇 | |
dc.contributor.author | Mi-Ying Wu | en |
dc.contributor.author | 吳宓穎 | zh_TW |
dc.date.accessioned | 2021-06-17T02:40:49Z | - |
dc.date.available | 2018-08-24 | |
dc.date.copyright | 2017-08-24 | |
dc.date.issued | 2017 | |
dc.date.submitted | 2017-08-16 | |
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dc.identifier.uri | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/68895 | - |
dc.description.abstract | 近年來金融科技發展快速,其中的機器人投資顧問更成為眾所矚目的焦點。機器人投資顧問是透過自動化、數位化方式,提供投資人投資組合建立與資產配置建議的金融服務,相關服務除在美國成長迅速外,亦已成為我國主管機關重要的政策方向,惟相關研究仍付之闕如。因此,本研究除將探索機器人投資顧問發展的背景驅力外,亦援引行為經濟學理論,探索如何應用行為經濟學以改善投資人行為,並提升數位化金融服務環境的監理效能。
本研究指出,透過分析美國代表性業者案例,發現行為經濟學可以用於改善投資人行為,讓投資人更容易達成財務目標。除此之外,本研究亦歸納出行為經濟學進一步的應用可能,包括利用投資人注意力有限、選擇性關注、框架效應、稟賦效應等特性,機器人投資顧問服務平台都可以有效影響投資人的決策過程。然成敗蕭何,如何防止業者惡意使用行為經濟學研究成果,以不良設計誘導投資人進行不利於己的決策,亦為主管機關監管制度上需要思考的重要方向。 | zh_TW |
dc.description.abstract | Due to the maturity of technology, digitalized financial advisory platforms have emerged in these years. There is no doubt that 'Robo-advisor' is the most shining star in this area. Robo-advisors provide objective, fast, inexpensive and high-quality financial services, loved by the young. However, due to its own limitations and that its legal positioning is unknown, the authorities are struggling to govern and supervise these services. .
Compared to the United States, the cost of fund is relatively high in Taiwan. The high cost of fund give great opportunities for robo-advisors providers. The industry may take the advantage, rethink the business models with behavioral economics to provide customers with low-cost but high-quality advisory services, and continue to deepen the breadth of merchandise. To promote the development of Robo-advisors, the article suggests the government should remove barriers, releasing guidelines and policy. Besides, the government should also pay attention to how information are framed and choices are structured to build a well-established digital finance environment. | en |
dc.description.provenance | Made available in DSpace on 2021-06-17T02:40:49Z (GMT). No. of bitstreams: 1 ntu-106-R01A41026-1.pdf: 962106 bytes, checksum: 1317d874366f60b13b28327aea405475 (MD5) Previous issue date: 2017 | en |
dc.description.tableofcontents | 第一章 緒論 1
第一節 研究動機 1 第二節 研究目的 2 第三節 研究方法與限制 3 第四節 文獻回顧 4 第二章 金融科技與機器人投資顧問服務 12 第一節 前言 12 第二節 金融科技發展背景 13 第三節 金融科技與資本市場 20 第四節 機器人投資顧問服務 30 第五節 小結 35 第三章 機器人投資顧問服務的監理議題 36 第一節 美國機器人投資顧問服務之發展、法規與監理討論 37 第二節 機器人投資顧問服務在我國市場的應用與監理 47 第三節 小結 51 第四章 行為經濟學與機器人投資顧問服務 52 第一節 行為經濟學概論 53 第二節 行為法律經濟學概論 61 第三節 行為經濟學對機器人投資顧問服務的啟示 65 第四節 行為經濟學對機器人投資顧問監管的啟示 70 第五節 小結 76 第五章 結論 77 第一節 研究結論 77 第二節 建議 79 參考文獻 80 第一節 中文文獻 80 第二節 英文文獻 82 | |
dc.language.iso | zh-TW | |
dc.title | 機器人投資顧問法制之建構-以行為經濟學為觀點 | zh_TW |
dc.title | The Construction of Robo-Advisors Regulations: A Perspective of Behavioral Economics | en |
dc.type | Thesis | |
dc.date.schoolyear | 105-2 | |
dc.description.degree | 碩士 | |
dc.contributor.oralexamcommittee | 林仁光,蔡昌憲 | |
dc.subject.keyword | 金融科技,金融監理,機器人投資顧問,行為經濟學, | zh_TW |
dc.subject.keyword | FinTech,financial supervision,robo-advisor,behavioral economic, | en |
dc.relation.page | 85 | |
dc.identifier.doi | 10.6342/NTU201703649 | |
dc.rights.note | 有償授權 | |
dc.date.accepted | 2017-08-17 | |
dc.contributor.author-college | 法律學院 | zh_TW |
dc.contributor.author-dept | 科際整合法律學研究所 | zh_TW |
顯示於系所單位: | 科際整合法律學研究所 |
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