| 關 鍵 詞： |
高齡化；高齡金融剝削；安養信託；高齡金融；監護信託 |
| 中文摘要： |
我國以極快的速度迎來了高齡化社會，而一個高齡化社會的來臨不只帶給關於長照或年金的挑戰，我國也如同其他高齡化國家，高齡者正面對著幾種高齡剝削的問題，如子女爭產、消費陷阱、詐騙等等，如何為高齡者建築完善又安全的經濟安全體系與金融保護，對我國的金融與法律制度尤其重要；國家已經相繼提出相關的政策，並鼓勵金融業者應該發展相關高齡金融商品，其中具備有安全、專業與持續性的信託制度，因為能依照高齡者的意願安排又具有資產保護的功能，信託制度應用在高齡金融體制中能為高齡者提供較高的保障，而我國的金融主管單位也積極推動安養信託制度，本文除了介紹我國正在發展中的安養信託制度外，也就目前我國的安養信託制度有所欠缺之點，提出幾項建議與展望。
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| 英文關鍵詞： |
Aging；Elder Finance Exploitation；Elder Care Trust；Elder Financing；Custodial Trust |
| 英文摘要： |
Taiwan is facing aged society at a rapid pace which brings not only the needs of long-term care or annuity system but the problems of elder financial exploitation. Like other countries, there are many kinds elder financial exploitations in Taiwan. We must improve our legal and financial system to build a well-functioning elder financial protection in order to provide the elder economic security. The government nowadays has already taken several relevant policies to encourage financial institutions to development aging-related financial products. Because a trust can be created by an elder to transfer his assets to a professional and faithful trustee as fiduciary for the beneficiary, elder care trusts can provide elder care and higher protection of assets of elders. Elder care trusts are developing in our country as a solution of elder financing for aging society. However, there are many flaws in elder care trusts and this article tries to make critics and several recommendations for the elder care trusts in Taiwan.
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| 目 次： |
壹、前言
貳、信託制度在高齡化社會能提供的功能
一、我國高齡者面對的金融剝削問題
二、信託制度能幫助我國防止高齡金融剝削
參、我國發展中的安養信託制度
一、商業型安養信託
二、配合監護制度的安養信託
肆、我國發展安養信託制度的展望與檢討
一、目前我國的商業型安養信託只具金融撥付功能
二、民事型安養信託制度難以建立
三、應盡快發展安養信託與監護制度互補的制度
伍、結論
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