Abstract
The banks play the indirect financial role in the financial system, therefore we have to plan the subject of administration of the fund properly to face the needs of consumers, such as deposits、withdraws and loans etc., we should give dual attention to the bank risk and profit rate. Taiwan’s bank met with the great challenge in the recent years: The new bank establishment, the foreign bank assaults Taiwan market, the spread to reduce, the economical growth rate to decline, the industrial offset, in this competes highly in the financial environment, the bank only has strives for to strive for changes newly on own initiative, increases the service content, improves the service quality, can defeat the match in the keen competition. The bank is the global economy operation center, particularly the credit creation's center, the credit in the modern economy, is similar to the oxygen as people, when the banks encounter problems, all matters may have problems. Therefore the risk subject to the banking industry is not only the boundary factor, but also the entire service core. Because of the great competition, the financial entrepreneur promotes various financial service and commodity, some workers pay great attention to own benefits, and put consumer benefits behind, they persuade customers to invest the high risk or complex financial commodity, which may not fit the personality of customers, and possibly causes the property loss to customers. In this research, we hope we can through analyzing the present situation in the wealth management industry to realize and understand the problem after inducting wealth management service into the banking industry, and unifies discussion of the government present laws and regulations, and give some suggestions to the future wealth management service development.