Page 32 - NO.136銀行家雜誌
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                Cover Story







              題就會特別嚴重，因為私人帳戶通常都會讓                              具裝修、訂餐外送、法律諮詢、不動產代
              帳戶的控制權完全掌握在個人手中，於是未                              管、旅遊訂房、海外救助等等」。這種全方

              經授權的交易、財產過戶、過度節省留作遺                              位的思維，凸顯主管機關已經相當了解當前
              產等問題就都隨之而來。                                      高齡化問題牽涉的不只是經濟。
                                                                    就國際經驗觀察，長壽雖然是醫學和公
              信託2.0目標之一：與養老業者合作                                衛的奇蹟，但也帶來許多挑戰。要如何使老
                                                               年人過得舒服，又不至於讓家族裡的年輕
                   台灣政府為此在2020年9月推出「信託                         人，以及承擔公共財政的其他年輕人喘不過
              2.0」計畫，鼓勵信託業成長升級，其中一項                            氣，將是決策者的重要課題。大部分的東
              目標就是希望信託業者跟養老產業合作。它                              亞國家以及某些歐洲國家都已經面臨高齡
              鼓勵信託業者「針對個人信託服務可能衍生                              少子化風險，政府必須闢出一條可行的半

              的全方位生活面向提供跨產業整合服務，透                              退休之路，個人也須主動認知問題並提早規
              過結盟合作的業者或機構，在財產管理及信                              劃，透過信託等服務為各種可能發生的狀態
              託支付外，提供便利優惠的多元服務，例如                              預作準備，才能讓自己未來的生活過得更自
              居家照顧、醫療接送、長照（安養）機構                               在。（本文作者為台灣金融研訓院外籍研究                                                                     AD
              入住、健檢安排、清潔派遣、住宅維修、輔                              員，譯者廖珮杏）




              “Trust 2.0.” encourages collaboration            repairs of auxiliary appliances, food delivery,
              with elderly care institutions                   legal counseling, real estate escrows, room

                                                               reservations, and overseas assistance.”  This
                   I n lig h t o f t he se p r ob lem s,  Ta iw a n’s   holistic approach recognizes that the issues related
              government has promoted growth and upgrade of    to aging are not solely economic.
              the trust industry through a plan called “Trust 2.0.”   Longer life expectancies are a miracle of
              One of its provisions encourages collaboration   medical science and public health, but they come
              with various industries related to elder care. It   with certain challenges. Ensuring that the elderly
              advocates “alliances with other enterprises or   can live in comfort without smothering the younger
              institutions to provide convenient and preferential   generation – either their direct family members

              services diverse services other than property    or  indirectly,  through public finances – will be a top
              management and trust payments, such as home      priority of policy makers. Most of East Asia is at risk,
              care, medical transportation services, residence   along with certain European countries. Governments
              in  long-term care  (elderly  care)  institutions,   need to take measures to create a viable semi-
              health examination arrangements, cleaning        retirement career path, while individuals should
              services, home maintenance, installation and     proactively plan for any contingencies that may arise.






         32   台灣銀行家2021.4月號






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