| 摘要: | 台灣在長壽與少子化之發展下，人口快速老化。於2017 年將超過14%，成為高齡(age)社會，依此比率預計於2025 年更將超過20%，成為超高齡(super-age)社會。問題是台灣已經預備好，可以接受隨家庭結構的改變、扶養負擔的加重、老年人長期照護與經濟保障的嚴峻挑戰嗎？
本研究試圖從金控之觀點，將轄下銀行的老年安養信託。除原具備的財務安全機制外，更擴大服務範圍結合長期照護，並發展出新型態的服務模型及對策。再與保險體系策略聯盟承做老年人終身年金保障，並將居家服務及醫療等各項老人安養所需的服務給商品化。讓老年人的資產轉化為現金後，透過市場機制以提升居家服務廠商服務品質。
透過金控體系進行跨業整合，提供所需的金流與資訊流的服務，並可快速導入及結合信託與融資之「以房養老」方案。除現行老年人年金保險外，提供以豐沛資金與生活照顧以安享晚年無虞的另一種方式。
更讓銀行責無旁貸的被賦予積極推動與發展新的營運模式。從中創造新的金融產品，而廠商也因銀行的介入與輔導，使得成本降低而更願意提供服務，進而造成三贏的局面。銀行也藉由推動老年安養信託產品，除解決分行關門後釋出大量員工新的工作問題外。亦是逆境中創造優勢的機會，並促使整個金控集團利潤獲得增長。更可實現「老有所養」、「老有所終」永續共生的新方向。;Taiwan’s population is rapidly aging, due to rising life expectancy and low birth rate. In 2017, it is expected that the population of elderly people in Taiwan will take up over 14% of the island’s total population, making it an aged society. According to the percentage, the population of elderly people will take up over 20% in 2025, by then Taiwan will become a super-aged society. The problem is, are we ready to face the challenges brought by this family-structure change, heavier dependency burden, long-term care of the elders, as well as economic security?
This study attempts to analyze the problem, and propose a plausible solution from the perspective of financial holding companies. It is based on current service offered by banks in caring trust, in addition to the financial security mechanism of the banks. It hopes to integrate long-term care and develop new types of service models and strategies. Also, it calls for alliance and cooperation with insurance companies to handle the risk factors, and takes into account elders’ life pension, and commoditizing every service required for taking care of the elders, such as home service and medicine. When assets of the elderly are transformed into cash, it will enhance the service quality of home service vendors through market mechanism.
Through the horizontal integration within financial holdings, the proposal incorporates the requisite services, cash and information flow. Such a service can be rapidly implemented, by combining trust and financing for “Reverse Mortgage”. In addition to elders’ life pension, it offers alternatives for sufficient financial support and life care, and fulfill the expectation of elderly care from the people.
In addition, the proposal will be enable banks to actively promote and develop new operations model, that will create a “win-win-win” situation, enabling banks to offer new financial products, as well as reduce costs for other service providers as a result of banks intervention and consultancy. Banks can also solve their potential problems of unemployment due to banking automation. In conclusion, a sustainable and mutual purpose of “elders being taken care of” and “elders having a place to rest” can be realized. |
