從信託2.0政策看信託業之轉型及業務創新

Seeing the Transformation and Business Innovation of the Trust Industry from the Trust 2.0 Plan

臺灣信託法制於2001年陸續完善後，信託業務展開一波飛越性成長，促使信託業立穩根基，成為金融行業重要的一環，但觀諸信託業務20年來的成長，仍以投資理財的占比仍高，真正為客戶量身訂做的信託較少，很多基本的信託服務尚未開辦，但就社會環境而言，高齡的問題日趨嚴重，在此種情形下，如何因應高齡社會及民眾的各種需求，發展與民眾需求相契合之信託，是業者的社會責任，因此金管會推出信託2.0政策，希望能扭轉此一趨勢，本文從與國外信託業之經營型態與信託業務之比較，探討信託業之轉型及業務創新方向，以再使臺灣信託業務邁向另一波的發展榮景。

After the establishment of Taiwan’s trust law framework in 2001, trust services began to grow substantially, spurring the trust industry to establish a solid foundation and become an important part of the financial industry. However, looking at the growth of trust services over the past 20 years, the proportion of investment and financial management is still high. There are few trusts that are truly tailor-made for customers, and many basic trust services have not yet been provided. However, in terms of social environment, the problem of aging is becoming more and more serious. In this case, how to respond to the various needs of the aging society and the people? It is the social responsibility of the trust industry to develop trusts that meet the needs of the people. Therefore, the FSC released the Trust 2.0 plan, hoping to reverse this trend. This paper discusses the trust industry from a comparison with the foreign trust industry’s business models and trust services. Through transformation and business innovation, it is hoped to make Taiwan’s trust services progress to another wave of development and prosperity.