政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/152841

政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/152841

English | 正體中文 | 简体中文 | Post-Print筆數 : 27 | 全文筆數/總筆數 : 113324/144300 (79%)
造訪人次 : 51125123 線上人數 : 874

RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.

搜尋範圍

查詢小技巧：

您可在西文檢索詞彙前後加上"雙引號"，以獲取較精準的檢索結果

若欲以作者姓名搜尋，建議至進階搜尋限定作者欄位，可獲得較完整資料

進階搜尋

主頁 ‧ 登入 ‧ 上傳 ‧ 說明 ‧ 關於政大典藏 ‧ 管理

到手機版

政大機構典藏 > 國際金融學院 > 國際金融碩士學位學程 > 學位論文 > Item 140.119/152841

請使用永久網址來引用或連結此文件: https://nccur.lib.nccu.edu.tw/handle/140.119/152841

題名:	安養信託之創新服務研究-以C銀行為例 RESEARCH ON INNOVATIVE SERVICES OF ELDER CARE TRUSTS: A CASE STUDY OF C BANK
作者:	洪唯軒 Hung, Wei-Hsuan
貢獻者:	郭維裕韓傳祥洪唯軒 Hung, Wei-Hsuan
關鍵詞:	安養信託高齡資產配置生態圈支付 Elder Care Trusts Aging Asset Allocation Ecosystem Payments
日期:	2024
上傳時間:	2024-08-05 14:18:47 (UTC+8)
摘要:	研究背景隨著財富管理客戶的年齡增加，需要的理財服務與生活方式也有所改變。過往銀行辦理信託業務，主要以特定金錢信託投資國內外有價證券為主，但面對高齡化社會，針對年長者設計的「安養信託」將扮演重要角色。研究方法本研究同時透過實際訪談C銀行之分行主管以及理財專員，以質化方式了解高齡客戶所在意之金融與非金融需求，並也透過問卷調查，同樣針對C銀行之分行主管及理財專員，以量化方式了解目前「安養信託」業務推展所面臨的問題，以及客戶對「安養信託」服務之期待。研究結果研究發現客戶對於「安養信託」之需求以金融服務部分需要的是透過信託確保資產安全，並仍持續為客戶妥善管理信託資產以因應長壽風險，並期待能有現金流的理財方案，輔以持續性的監控與管理，並透過便利的數位工具設定信託項目與業務條件，讓客戶能安心方便的管理資產。在非金融方面，在意信託資金能否便利的支應生活費用所需，並與高齡生活所需要的異業合作，打造高齡金融與生活的生態圈。結論與建議建議可著重以下業務項目發展：(1)客戶於退休前累積之資產可移轉至「安養信託」使客戶退休後仍可兼具資金安全與資產管理。(2)規劃適合退休後金流之理財方案，並規劃監控管理機制。(3)結合支付與退休生活之生態圈，使信託資金也能便利的支付老年後所需要的生活開支。(4)透過便利的網路銀行或行動銀行，方便客戶管理與設定信託業務。 Research Background As the age of wealth management clients continues to grow, their financial service needs and lifestyles change. Traditionally, banks have focused their trust business on non-discretionary money trust investment in domestic and foreign securities. However, in the face of an aging society, "elder care trusts" designed for senior clients will play an increasingly important role. Research Methodology This study employs both qualitative and quantitative methods. Qualitative insights were gathered through interviews with branch managers and financial advisors at Bank C, focusing on the financial and non-financial needs of elderly clients. Quantitative data was collected through surveys administered to the same branch managers and financial advisors, aimed at understanding the current challenges in promoting "elder care trust" services and clients' expectations for these services. Research Findings The study found that clients' needs for "elder care trusts" in terms of financial services include ensuring asset security through trusts, continuing proper management of trust assets to address longevity risks, and expecting financial plans that provide cash flow, supported by continuous monitoring and management. Clients also desire convenient digital tools to set up trust items and business conditions, allowing them to manage their assets with peace of mind and ease. On the non-financial side, clients are concerned about whether trust funds can conveniently cover living expenses and the integration with other industries to create an ecosystem for elderly financial and living needs. Conclusion and Recommendations The study suggests focusing on the following business developments: 1.Clients can transfer their accumulated assets into "elder care trusts" before retirement, ensuring asset security and management post-retirement. 2.Plan financial schemes suitable for post-retirement cash flow needs and establish monitoring and management mechanisms. 3.Integrate payment systems with a retirement living ecosystem, enabling trust funds to conveniently cover post-retirement living expenses. 4.Use convenient online banking or mobile banking to allow clients to easily manage and set up trust business.
參考文獻:	中文部分以著者姓氏筆劃(由少至多)編排，英文部分以著者姓氏字母(由A到Z)依序排列。書籍李智仁，(2022)。信託敲敲門：樂齡理財，人生更精彩。出版地台灣 : 出版者暖暖書屋文化事業股份有限公司。博碩士學位論文郭芳勳(2021)。安養信託於高齡化社會之運用與展望。東吳大學法律專業碩士班碩士論文，台北市。陳純香(2024)。安養信託現況與發展趨勢。朝陽科技大學銀髮產業管理系碩士論文，台中市。許珮琳(2022)。安養信託對高齡者照護的展望。中信金融管理學院財經法律學系碩士論文，台南市張春藤(2023)。國人對於安養信託認知與購買意願之研究-利己、利他理論之應用，中興大學應用經濟系碩士學位論文，台中市網際網路魏喬怡，醫療費用將可從信託帳戶自動扣款，上網日期2023年08月07日檢自：https://www.ctee.com.tw/news/20230807700046-430301 金融監督管理委員會網站，檢自：https://www.fsc.gov.tw/ch/home.jsp?id=834&parentpath=0%2C2%2C310 中華民國信託業商業同業公會網站，檢自：https://www.trust.org.tw/tw/old-disability 中國信託銀行官方網站，檢自：https://www.ctbcbank.com/twrbc/twrbc-general/ot010/020 天下雜誌銀天下論壇，檢自：https://www.cw.com.tw/article/5126300
描述:	碩士國立政治大學國際金融碩士學位學程 111zb1069
資料來源:	http://thesis.lib.nccu.edu.tw/record/#G0111ZB1069
資料類型:	thesis
顯示於類別:	[國際金融碩士學位學程] 學位論文

文件中的檔案:

檔案	描述	大小	格式	瀏覽次數
106901.pdf		1306Kb	Adobe PDF	0	檢視/開啟

在政大典藏中所有的資料項目都受到原著作權保護.

社群 sharing

著作權政策宣告 Copyright Announcement

1.本網站之數位內容為國立政治大學所收錄之機構典藏，無償提供學術研究與公眾教育等公益性使用，惟仍請適度，合理使用本網站之內容，以尊重著作權人之權益。商業上之利用，則請先取得著作權人之授權。
The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.

2.本網站之製作，已盡力防止侵害著作權人之權益，如仍發現本網站之數位內容有侵害著作權人權益情事者，請權利人通知本網站維護人員(nccur@nccu.edu.tw)，維護人員將立即採取移除該數位著作等補救措施。
NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.

DSpace Software Copyright © 2002-2004 MIT & Hewlett-Packard / Enhanced by NTU Library IR team Copyright © - 回饋