Asymmetriska relationer mellan kunder och finansiella rådgivare. En studie av hur kunders finansiella kunskapsnivåer påverkar relationen och hur MiFID II avser att hantera asymmetriproblematiken
Sammanfattning
Both demand and supply of financial advice are increasing because of the complexity of financial products and people’s difficulty in making economic decisions. Previous research has identified asymmetries between customers and financial advisors, which has given rise to the directive from the European Union, Markets in Financial Instruments Directive II (MiFID II). We show through a customer survey that goal asymmetry, risk asymmetry and information asymmetry are apparent in the relation between customer and financial advisor. Secondly, we find a positive correlation between customers’ financial illiteracy and risk asymmetry. Lastly, we show that MiFID II intends to reduce goal asymmetry though a commission ban, risk asymmetry through an assessment of suitability and information asymmetry through an increased requirement of information.
Examinationsnivå
Student essay
Samlingar
Fil(er)
Datum
2017-07-04Författare
Grip, Mikael
Sjölander, Natalie
Nyckelord
finansiell rådgivning
asymmetri
finansiell okunskap
MiFID II
Principal-agent
finansiell reglering
Serie/rapportnr.
201707:41
Uppsats
Språk
swe