Page 26 - NO.136銀行家雜誌

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Cover Story

਷ყ຾᜕ၾ઼ͪᇐ‘

̰౽ɛɹҞ஺ᖂʺ

ڗ๫ৌਕτરࠗί޵ຓ

阿茲海默和失智症患者需仰賴無微不至的照護，而且存活期很
長，對家人與社會帶來高度的財務壓力，隨著國民預期生命的不
斷延長，快速增加的失智患者對長照政策帶來極大的挑戰，金管
會力推的「信託2.0」平台可能是個解方。

撰文：David Stinson孫維德

灣 人 口 的 扶 養 比 率 （ Dependency A f f a i r s）2019年的資料，目前台灣的扶養
台 R a t i o）問題眾所周知，扶養比是指 比為40%，仍在控制之中；但這個數字將在
老年與年幼人口數除以工作人口（15至65 未來幾十年內急速飆升，在2060年將達到
歲）的人數，根據聯合國經濟與社會事務 97%，扶養比成長率僅次於南韓，是全球第
部（Department of Economic and Social 二快的國家。

Dementia population rising fast

Financial arrangements for long-term care is an urgent issue

Patients with Alzheimer's or dementia often survive for years and rely on labor-intensive care. It can be
a financial and social burden on younger generations. As life expectancies grow, the rapidly increasing
number of people with dementia has become a great challenge to long-term care policy. The Plan called
“Trust 2.0.” promoted by the Financial Supervisory Commission (FSC) may be a solution.

he problems with Taiwan’s demographic ratio of 40% is under control, but that number is set to
Tdependency ratio – the number of old and young explode in the coming decades following a shrinkage in
people for each working-age person aged 15-65– are fertility. By 2060, the UN projects that Taiwan will reach
well-known. According to 2019 figures from the UN’s 97%, giving it the second-fastest growing dependency
Department of Economic and Social Affairs, its current ratio in the world, trailing only South Korea.

26 台灣銀行家2021.4月號

1 5% JOEE