Page 30 - NO.136銀行家雜誌

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Cover Story

受高齡化及少子化影響，台灣的扶養比在2060年將達到97%，成長率僅次於南韓。（圖／達志影像）
受高齡化及少子化影響，台灣的扶養比在2060年將達到97%，成長率僅次於南韓。（圖／達志影像）

不會聘請外人來處理。這種作法很多時候很 上都會把照顧小孩和老人的責任丟給家庭主
好，但有些時候卻會讓下一代蒙受巨大損 婦，這除了會讓勞動市場失去大量人力，也
失。老人與小孩的二選一，就是促使二十世紀 可能會讓照護者罹患身心疾病。
女性主義崛起的一項重要動力，但目前還很少 隨著工業化的經濟社會發展，已經不能
人會用退休財務的角度來看這件事情。傳統 用傳統方式處理照護問題，因為人們彼此住

labor. Besides the work involved, this support is also a risk automating many care tasks – particularly emotional
factor both mental and physical illness on the part of the support – and are also skeptical of the ability to of
caregiver. labor markets to adjust to the new demand. The
It’s not possible to return to the traditional model, for answer, at least in Asia, will probably have to involve
a variety of reasons. Besides just greater geographical “the old caring for the old.” Japan, for instance, has
dispersion and female workforce participation, longer robust volunteer programs for elder care, both under
life expectancies for parents mean that their periods of its 2015 “New Orange Plan” and also sometimes with
dependency may extend into the prime of their children’s the help of local governments. These sorts of roles
careers. provide semi-retirement opportunities, helping extend

working life, and also partially counteracting the labor
“New Orange Plan” is effective in shortage the authors mention.
relieving stress of caregiving Based on one highly-cited estimate, the
total economic impact of Alzheimer’s in advanced
Pradhan and Goodhart note the difficulty of economies is around 1% of GDP, but that number may

30 台灣銀行家2021.4月號

1 5% JOEE