| dc.contributor.advisor | 陳明進 | zh_TW |
| dc.contributor.author (作者) | 徐榮聰 | zh_TW |
| dc.contributor.author (作者) | Hsu, Jung-Tsung | en_US |
| dc.creator (作者) | 徐榮聰 | zh_TW |
| dc.creator (作者) | Hsu, Jung-Tsung | en_US |
| dc.date (日期) | 2026 | en_US |
| dc.date.accessioned | 2-三月-2026 11:29:35 (UTC+8) | - |
| dc.date.available | 2-三月-2026 11:29:35 (UTC+8) | - |
| dc.date.issued (上傳時間) | 2-三月-2026 11:29:35 (UTC+8) | - |
| dc.identifier (其他 識別碼) | G0112932047 | en_US |
| dc.identifier.uri (URI) | https://nccur.lib.nccu.edu.tw/handle/140.119/161751 | - |
| dc.description (描述) | 碩士 | zh_TW |
| dc.description (描述) | 國立政治大學 | zh_TW |
| dc.description (描述) | 經營管理碩士學程(EMBA) | zh_TW |
| dc.description (描述) | 112932047 | zh_TW |
| dc.description.abstract (摘要) | 隨著全球人口高齡化趨勢加速，臺灣亦正式邁入超高齡社會，高齡者在長期照護、財務安全與資產管理上的需求日益迫切。傳統以退休金、保險或家庭支持為主的照護與財務安排，已難以全面因應高齡化所帶來的長壽風險與照護風險。在此背景下，「安養信託3.0」逐漸成為結合財務管理及配合衛生福利部推出「長照十年計畫 3.0」政策與生活支持的重要金融制度工具。
本研究以「安養信託之金融生態圈創新服務」為核心主軸，透過文獻分析、制度比較與實務觀察，探討安養信託系統在高齡金融體系發展中高齡人口如何使用AI與 IOT的創新服務，並以C資訊服務公司為個案，分析資訊服務業者在安養信託系統生態圈中所扮演之關鍵角色與策略定位。研究重點聚焦於金融科技導入、跨域整合與平台化服務模式，說明安養信託系統如何由傳統資產保全工具，轉型為結合金融、醫療長照、科技與社福機構的整合型服務平台系統。
研究結果顯示，隨著人工智慧（AI）、物聯網（IoT）、區塊鏈與 API (Application Programming Interface 應用程式介面)串接等技術的成熟，安養信託系統得以提升金流透明度、支付效率與風險控管能力，並有效改善資訊不對稱與信任不足等長期痛點。資訊服務業者透過建置安養信託核心系統、長照支付管理平台與家屬授權透明化機制，成為推動安養信託系統創新服務與金融生態圈整合的重要推手。然而，現行制度仍面臨法規位階不足、稅務誘因有限、跨域協作成本高與高齡族群數位落差等挑戰。
本研究進一步提出「安養信託 3.0 金融生態圈」之發展構想，強調以科技賦能、平台整合與普惠金融為核心，「建議政府、金融機構與資訊服務業者共同推動制度完善與創新應用，以提升安養信託之普及率與永續發展潛力。研究成果可作為未來高齡金融政策制定、金融機構產品創新及資訊服務業者策略布局之參考。」 | zh_TW |
| dc.description.abstract (摘要) | As global population aging accelerates, Taiwan has officially entered a super-aged society in recent years, resulting in increasingly urgent demands among older adults for long-term care, financial security, and asset management. Traditional care and financial arrangements—primarily based on pensions, insurance products, or family support—are no longer sufficient to comprehensively address the longevity risk and care risk associated with population aging. Under this context, Elder Care Trust 3.0 has gradually emerged as an important financial institutional instrument that integrates asset management with life-support services, in alignment with the Long-Term Care Ten-Year Plan 3.0 promoted by the Ministry of Health and Welfare.
This study centers on innovative financial ecosystem services for elder care trusts. Through literature review, institutional comparison, and practical observation, the research examines how elder care trust systems incorporate innovative services enabled by artificial intelligence (AI) and the Internet of Things (IoT) within the aging finance framework. Using C Information Services Company as a case study, this study analyzes the critical roles and strategic positioning of information service providers within the elder care trust ecosystem. The research focuses on financial technology adoption, cross-domain integration, and platform-based service models, illustrating how elder care trust systems are transforming from traditional asset preservation tools into integrated service platforms that connect financial institutions, healthcare and long-term care providers, technology firms, and social welfare organizations.
The research findings indicate that the maturation of artificial intelligence (AI), Internet of Things (IoT), blockchain technology, and Application Programming Interface (API) integration has significantly enhanced fund flow transparency, payment efficiency, and risk management capabilities within elder care trust systems. These technological applications effectively mitigate long-standing challenges such as information asymmetry and trust deficits. By developing trust core systems, long-term care payment management platforms, and transparent family authorization mechanisms, information service providers have become key enablers of innovative services and financial ecosystem integration in elder care trust systems. Nevertheless, the current framework continues to face challenges, including insufficient legal hierarchy, limited tax incentives, high cross-sector collaboration costs, and the digital divide affecting older populations.
This study further proposes a Elder Care Trust 3.0 Financial Ecosystem development framework, emphasizing technology enablement, platform integration, and inclusive finance as its core principles. It recommends that government agencies, financial institutions, and information service providers collaboratively advance institutional refinement and innovative applications to enhance the adoption rate and long-term sustainability of elder care trusts. The findings of this study may serve as a reference for future aging finance policymaking, financial product innovation, and strategic planning within the information service industry. | en_US |
| dc.description.tableofcontents | 致 謝 詞 i
摘要 ii
Abstract iii
第一章 緒論 1
第一節 研究背景與動機 1
第二節 研究目的 6
第三節 研究方法 7
第二章 我國安養信託發展趨勢及未來挑戰 9
第一節 安養信託產業發展趨勢分析 9
第二節 安養信託產業未來的挑戰 11
第三章 安養信託產業結合生態圈之創新服務系統趨勢 14
第一節 安養信託產業背景與結合金融生態圈 14
第二節 安養信託創新服務系統發展趨勢 15
第三節 安養信託創新服務系統發展趨勢面臨未來挑戰 22
第四章 安養信託產業創新服務系統之SWOT分析 24
第一節 C資訊服務公司的介紹 24
第二節 C資訊服務公司之安養信託商品創新服務系統發展策略 27
第三節 C資訊服務公司安養信託商品SWOT分析 28
第四節 C資訊服務公司運用策略行銷分析的解決方案分析 31
第五章 結論與建議 33
第一節 結論 33
第二節 研究限制與未來研究建議 35
參考文獻 37 | zh_TW |
| dc.format.extent | 1806257 bytes | - |
| dc.format.mimetype | application/pdf | - |
| dc.source.uri (資料來源) | http://thesis.lib.nccu.edu.tw/record/#G0112932047 | en_US |
| dc.subject (關鍵詞) | 安養信託3.0 | zh_TW |
| dc.subject (關鍵詞) | 高齡金融 | zh_TW |
| dc.subject (關鍵詞) | 金融生態圈 | zh_TW |
| dc.subject (關鍵詞) | 金融科技 | zh_TW |
| dc.subject (關鍵詞) | 長照十年計畫3.0 | zh_TW |
| dc.subject (關鍵詞) | Elder Care Trust 3.0 | en_US |
| dc.subject (關鍵詞) | Aging Finance | en_US |
| dc.subject (關鍵詞) | Financial Ecosystem | en_US |
| dc.subject (關鍵詞) | Financial Technology | en_US |
| dc.subject (關鍵詞) | Long-Term Care Ten-Year Plan 3.0 | en_US |
| dc.title (題名) | 安養信託之金融生態圈創新服務研究 以C資訊服務公司為例 | zh_TW |
| dc.title (題名) | The Study on Innovative Services in the Financial Ecosystem of Elder Care Trust: A Case Study of C Information Services Company | en_US |
| dc.type (資料類型) | thesis | en_US |
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https://www.ey.gov.tw/
金融監督管理委員會（2024）。信託業務發展策略藍圖。金融監督管理委員會。
https://www.fsc.gov.tw/
金融監督管理委員會（2023）。信託 2.0「全方位信託」推動計畫。金融監督管理委員會全球資訊網。
https://www.fsc.gov.tw/
國家發展委員會（2024）。中華民國人口推估（2024–2070 年）。國家發展委員會。
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內政部統計處（2024）。中華民國 113 年簡易生命表。內政部。
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中華民國信託業商業同業公會（2024）。安養信託業務統計與發展現況分析。中華民國信託業商業同業公會。
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https://www.un.org/development/desa/pd/ | zh_TW |
