| 英文摘要 |
With the growing aging population in Taiwan, there is an increasing demand for financial services for the elderly. However, this may also lead to some potential behavioral risks. In recent years, although the Financial Supervisory Commission (FSC) has attempted to strengthen the protection of elderly financial consumers and improve friendly financial measures, this article argues that the FSC’s reliance solely on age as the basis for differential treatment lacks explanation and justification. The current measures also do not fully address the potential risks that may arise for elderly customers in accessing financial services. Instead, it may result in inappropriate age discrimination. The FSC and financial institutions should also focus on the situation of customers with dementia and establish specific and appropriate guidelines tailored to the specific environment in Taiwan. This is in order to respond more effectively to the risks that may arise for elderly customers due to aging, and to provide appropriate regulatory responses. |
