關於台新金控

Financial Inclusion

Banking has been viewed not only as the key to improve industries, but also the force that drives financial inclusion and supports the socially disadvantaged. Currently, more than 50 countries have identified inclusive financing as the national goal. In addition to supporting the government's inclusive financing policies, Taishin also responds actively to UN's sustainable development goals and has taken actions to deliver more convenient financial services to remote areas, SMEs, and disadvantaged groups. Through financial education, we also aim to reduce knowledge gap between consumers.

Micro-finance Products

Party involved Type Practices

Micro Businesses

Micro Loan

Micro-size businesses are often characterized by relatively small business activities and lack of collaterals that make it difficult for them to obtain financial support. In light of this shortcoming, Taishin Bank has been working closely with the Small and Medium Enterprise Credit Guarantee Fund to extend credit services to micro businesses that have the potential but lack the collateral needed to obtain working capital. A digital application system was introduced in 2018 to speed up the review process and help micro-size businesses obtain the capital needed to grow, and thereby support Taiwanese SMEs as well as the overall economy.

e-Payment

In collaboration with foreign electronic payment service providers, Taishin Bank introduced QR code payment service for micro businesses at locally renowned night markets and shopping districts in Taiwan. In doing so, the Bank brought convenient cash flow services to buyers and sellers, while at the same time reduced the need and cost of using card payment terminals.

New Industries

Investment into the 5+2 New Industries

Taishin Venture Capital has been actively financing the 5+2 industries. Biomedicine and FinTech new companies were new industries that Taishin Venture Capital had targeted for investment throughout 2018. After fund raising in the beginning of 2019, Taishin Venture Capital shall have adequate capital to conduct more in-depth exploration and evaluation of investment opportunities in other new industries including Asian Silicon Valley, green energy, smart machinery, defense aviation, new agriculture, and cyclical industries.

The Financially Disadvantaged

Micro Insurance

To offer basic protections for the financially disadvantaged, micro insurance provides coverage in areas that the government's social insurance and social welfare programs could not reach. Through the launch of micro insurance, we encourage the financially disadvantaged to arrange commercial insurance within their capacity and seek coverage not only to reduce financial impacts in the event of an accident, but also to care for family members. Micro insurance products can be on individual or group basis; they are characterized by low insurance amount, low premium, and easy to understand.

Elders and People with Disability

Retirement Trust

Demands for elderly nursing, retirement, children's education and care for persons with disability have arisen as a result of the low fertility rate and aging population, Taishin Bank has responded by offering professional trust services and "exclusive" services that are custom-tailored to customers' specific needs.

Senior Reverse Mortgage

Senior Reverse Mortgage: An aging society combined with low fertility rate will inevitably cause the dependency ratio to rise over time. In anticipation of this trend, Taishin Bank introduced "Senior Reverse Mortgage" that provides assurance to seniors by allowing them to draw monthly financial support from the houses they own.

Young Adults

Digital Banking

Taishin introduced a digital banking service offering distinctive user experience and financial technology called Richart that integrates "saving, payment, investment, loan, insurance, time deposit and foreign currency" services all in one. Richart has proven to be effective in helping young people choose investments with the limited capital they have.

Campus Education

Charity Credit Cards

As a support to education, Taishin Bank launched Fu Jen Catholic University Affinity Card that contributes 0.3% of every dollar spent to the university's faculty construction fund. Taishin also plans to work with Fu Jen Catholic University Hospital in the future to provide hospital-related benefits.

Micro-finance Services

Service category Subjects and practices

Charitable Services

• By combining the resources of Taishin Charity Foundation, Taishin Bank purchases charitable goods as birthday gifts for Infinite Card holders. The Bank also uses credit card statements, publications, EDM etc to convey the needs of charity organizations and encourage cardholders to mate donations using credit cards or by converting reward points on Taishin's donation platform.

Remote area Financing

Service

• Starting in 2017, Taishin began an initiative to introduce new payment tools (e.g. mobile payment, cross-border payment etc) to merchants and shopping districts in remote areas, and thereby expand the method of collection and increase merchants' income.In 2018, Taishin continued its initiative to introduce new payment tools to merchants and shopping districts in remote areas, and thereby expand the method of collection and sources of merchants' income. Through cross-industry alliance with equipment suppliers, Taishin introduces new payment and related financial services that have the potential to upgrade and transform traditional marketplaces.

• Apart from general banking services, Taishin Bank ATMs also provide various functions such as bill payment, donation, borrowing/repayment of insurance policy loan, interbank cash deposit, and interbank cardless cash withdrawal. Taishin Bank ranks top among its peers in the number of ATMs deployed, which enables remotely located customers to complete financial services at an ATM near them. In 2018, Taishin launched virtual teller machine (VTM), a remote video conferencing service that frees customers from operating hour restrictions for better financial service experience, while saving the troubles of traveling.

• Taishin Bank delivers online services such as credit card, loan application etc via Internet banking, mobile banking and mobile APPs, and offers diverse payment options including: convenience store, ACH etc that free customers from restrictions of location and banking hours. The number of Taishin Internet Banking and Mobile Banking users has been rising in the last few years. The YOY growth in all accounts was 14% in 2018, and the YOY growth in active accounts was 26%.

Accessible Service

• Taishin Bank has height-adjusted ATMs and Blindness-friendly ATMs available to serve movement-impaired and visually impaired customers. User manuals printed in Braille are also available near ATMs to provide convenience for the visually impaired.

• A service bell was installed at the front door for all Taishin branches in January 2015. The purpose of the bell is to guide and assist customers to complete transactions. It is listed as one of the essential tools for branches.

• People with disability are entitled to 3 interbank cash withdrawals without service charge per month.

Financial Education

• Taishin Bank has devoted resources to promoting children's financial education, and developed a proprietary board game called "Young Banker Officer - YBO Fantasy Farm" that aims to help children develop proper investment knowledge through games. Taishin Bank volunteers have been traveling to remote areas and visiting social welfare organizations, where they teach disadvantaged children the proper perspective towards money using the YBO Fantasy Farm board game.

• Taishin Bank continued organizing campus investment seminars and participated in college workshops as guest speaker throughout the year. Using simple examples and references, college students were taught the proper investment perspectives.

The Financially Disadvantaged

• Since January 1, 2006, Taishin Bank has been working with the Banking Association to provide debt consolidation services including debt negotiation, pre-default negotiation, pre-default settlement and relief. Furthermore, customized solutions are offered depending on the conditions of each borrower. By renegotiating affordable settlement solutions, Taishin Bank enables disadvantaged borrowers to start afresh and become contributing members of society in ways that not only reduce domestic and social problems, but also strengthen their commitments to the repayment plan.

• For victims of recent disasters (e.g., Typhoon Morakot, Kaohsiung gas explosion incident, Tainan Earthquake, and Hualien Earthquake), Taishin offers relief in the forms of extension and grace period, interest rate reduction, payment discount etc depending on the type of financial product or debt agreement concerned. The Bank also offers distress financing to mortgage customers who fall victim to disaster up to TWD 500,000 that has no handling fees, no defined repayment period, and a grace period up to 6 months, helping the victimized families rebuild homes.

• Taishin Bank collaborates with DOMI Earth, Taiwan's first Type B enterprise, to install energy-saving lighting equipment free of charge for one disadvantaged household for every 1,000 cardholders that convert into digital/mobile statements. More than 20 disadvantaged households have been sponsored to date. Taishin Bank is the first in the industry to associate banking and credit card services with energy conservation and support for disadvantaged household in one integrated platform. More than 100,000 cardholders have participated in the program since launch, bringing energy-efficient lighting to more than 100 disadvantaged households in Taiwan. (A total of 150 households had benefited in 2018)

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