我國已於107年正式邁入「高齡社會」，老年人口比率預估也將在115年會超過20%，步入「超高齡社會」的階段，面臨少子化與人口結構老化的衝擊，個案銀行為協助主管機關推動友善高齡金融政策，104年首創以防養老幸福滿貸業務，後為保障高齡者財產安全，105年接續推展「高齡者暨身心障礙者安養信託」，以協助高齡者建立生活保障、經濟安全以照料晚年生活所需。
個案銀行為尋求高齡者居住安養需求的全面解決方案，嘗試突破現有業務模式，以更貼近民眾需求的金融創新模式，依據高齡者的需求設計新型態的信託商品，協助投入老人住宅市場的中小型建商從土地取得、設計規劃、融資安排、興建撥款，到完成交付營運，提供一條龍式信託服務。同時保障入住高齡者繳付之預付款項安全，進而普及社會上將財產交付信託的觀念，滿足高齡者尊嚴老化的期待，以期落實長照2.0的政策目標，實現「在地老化」。
本論文採用哈佛式個案撰寫法，本個案可用於討論波特五力分析、資源基礎觀點、組織的敏捷性、產業生態系統等相關議題，可以了解個案銀行發揮信託業務功能上的廣泛性與運作上的深度彈性。個案銀行因應銀髮商機、整合組織部門及培育信託人才，並透過信託平台整合內部資源及對外跨業合作，改變以往由銀行兼營信託業務，過於偏重理財信託的刻板印象。安養信託平台是最有溫度的金融業務，讓生活在臺灣與日俱增的高齡者能善用安養信託制度以享有更多的住房選擇與完善的照護

This case study uses the Harvard-style case writing method. Taiwan has officially entered the "senior society" in 2010, and it is estimated that it will enter the "super-aged society" in 2016. Today's society is facing the impact of accelerated population aging and declining birthrate. The case bank is Assisted the competent authorities in promoting the elderly-friendly financial policy. In 2010, he pioneered the loan business to prevent senior and happiness. Later, in order to cooperate with the Trust Association in promoting the Old-disability Trust since 2015, he considered providing financial support, property safety and security, and living needs for the elderly. In order to provide a comprehensive solution to the nursing needs of the elderly, we try to break through the existing business model and innovate the business model to be closer to the needs of the public.efforts, It is expected to provide customers with one-stop complete services by integrating existing trust resources and using innovative trust planning. From the planning, financing, and construction of nursing care facilities, to the operation of institutions and the security of the property of the elderly, a series of exclusive trust services are designed to respond to the government's promotion of the 10-year long-term care plan 2.0, and to achieve a wide range of nursing institutions or It also promotes the concept of trusting the property of the elderly and promotes the concept of "remaining in place, aging in place" and "relying on oneself for old age" in the society.
This case can be used to discuss issues related to Porter five forces alalysis, organizational agility, resource-based theory, and industrial ecosystems. Through the discussion of this case, it can be understood that the trust business of the banking industry can also keep pace with the times. In view of the wide range of trust functions and the flexibility in operation, the case bank actively invested resources, adjusted the departmental organization and cultivated professional talents, and started Integrate internal resources of the institution and external cross-industry cooperation, change the previous situation of placing too much emphasis on wealth management trust, and develop a comprehensive trust business tailored for customers. Anyang Trust is the warmest business for the trust industry, and it is also the social responsibility that trust companies should undertake, so that the increasingly elderly people living in Taiwan can make good use of the Anyang trust system to enjoy more dignified and complete care. This case study can be used in the discussion of topics such as theories of compensation, organizational agility, resource patching theory and corporate social responsibility. From the discussions of this case study, it is learned that the debt-collection in banking industry is able to keep pace with the times. And the debtor can be willing to repay the debt, while also appreciate the bank for their efforts.

中文參考文獻
1.中華民國信託業商業同業公會(2013)。我國信託業務發展策略之建議
2.王熙哲 & 陳鴻基(2015)。〈高齡者服務需求類型與重要性分析〉，《福祉科技與服務管理學刊》，3(3)，261-262。
3.何佳倚(2015)。一顆陀螺的夢想─轉動甘樂文創社會影響力。國立臺灣科技大學管理學院研究所碩士論文
4.呂睿凱(2015)。銀髮族養生村商業經營模式之探討。國立臺灣科技大學管理研究所碩士論文。
5.周柏宏(2002)。建商老人住宅之財務分析-由開發與經營角度解析。國立政治大學地政系碩士班論文。
6.施教裕(1995)。〈社會福利政策執行上的困境與挑戰〉。《理論與政策》，10(1)，122-137。
7.柯諾威 (2020)。民間興辦高齡友善出租住宅開發營運模式之研究-以合勤烏日共生宅為例。逢甲大學土地管理學系學位論文。
8.胡幼慧(1996)。〈台灣老年人口的依賴結構初探：以老年婦女為例〉。《人口學刊》，(17)，83-112。
9.真識團隊(2019)。《豐盛樂齡-合勤共生宅年鑑 第一輯》。台北：策馬天下國際文化有限公司。
10.真識團隊(2020) 。《繽紛樂齡-合勤共生宅年鑑 第二輯》。台北：策馬天下國際文化有限公司。
11.國家發展委員會(2021)。〈人口推估查詢系統〉。上網日期：2022年4月10日，取自 https://pop-proj.ndc.gov.tw/
12.陳仲彥、陳靜怡（2012）。〈從高齡者自評健康條件、家庭資源及社會參與探討高齡者期望之居住安排〉。《臺灣土地研究》，15卷，第二期，133頁。
13.曾思瑜(2002)。〈北歐高齡者住宅· 設施政策與體系建構之研究—以瑞典和丹麥為例〉，《建築學報》，41，23-42。
14.衛生福利部(2021/09)，高齡社會白皮書
15.衛生福利部國民健康署(2019)。民國一百零八年中老年身心社會生活狀況長期追蹤調查成果報告
16.蘇玉峰(2021/10)。<我國住宅政策面對高齡化衝擊下之因應作為>，《社區發展季刊》，176，35-39。
英文參考文獻
1.Angelo, M. R. (2004). Hospitality Today: An Introduction (5th ed.). Michigan USA,Educational Institute of American Hotel& Lodging Association.
2.Baker, P.M. and Prnice, M.J. (1990). Supportive Housing Preferences Among the
3.Barney, J. B., (1991). Firm resources and sustained competitive advantage. Journal of Management, 17(1), 99–120.
4.Bergmann, T.J.M & Scarpello, V.G. (2002). Compensation Decision Making, 4th. South-Western.
5.Chakravarty, A., Grewal, R., & Sambamurthy, V. (2013). Information Technology Competencies, Organizational Agility, and Firm Performance: Enabling and Facilitating Roles. Information Systems Research, 24(4), 976-997. doi: 10.1287/isre.2013.0500
Elderly in L.A. Pastalan（ed.）, Optimizing Housing for the Elderly: Homes not
6.Friedman, M. (1970). “The Social Responsibility of Business is to Increase its Profits,” New York Times Magazine, 32-33, 122-126.
7.Friedman, Milton (1988). “The Social Responsibility of Business is to Increase Its Profits,” Ethical Issues in Business: A Philosophical Approach, 217-223.
8.Gimmy, A. E. and Boehm, M. G. (1988), Elderly Housing a Guide to Appraisal, Market Analysis, Development, and Financing, American Institute of Real Estate Appraisers.
9.Grant, R.M.(1991),”The Resource-Based Theory of Competitive Advantage:
Houses. New York : The Haworth. Kayser-Jones, J.S..
Implications for Strategy Formulation,” California Management
10.National Investment Center for the Seniors Housing & Care Industries（2000）, NIC national supply estimate of seniors housing & care properties Annapolis, pp.39-40.
Review,Vol.33,Spring,pp.114-135
網站部分
1.內政部統計資訊服務網，http://www.moi.gov.tw/stat/index.asp
2.合庫金控 https://www.tcfhc.com.tw/
3.合庫金控2022年企業社會責任報告書https://www.tcfhc.com.tw/sustainable-development/esg-overview/sustainable-report-download
4.信託公會 https://www.trust.org.tw/