台新金控

Superior Service
Superior Service

Financial Inclusion

As long as banking industry treated as the key improvement driven for all industries, it is also expected to have financial inclusion being well implemented and to provide the opportunities for the disadvantaged. Taishin is actively responding to the World Bank, G20, Asia-Pacific Economic Cooperation (APEC), and the Financial Inclusion Policies in Taiwan. Moreover, in the meantime, Taishin also integrated SDGs in the company in order to provide more convenient and essential financial services to promote rural areas, small and medium-sized enterprises, and disadvantaged groups, as well as by bridging knowledge gaps through financial education. Major achievements are including expanding our services to remote rural areas or social groups that have less access to banking services; and supporting small/microfinance enterprises or start-ups through micro-loans or investments; offering renegotiated better repayment plans for financially-disadvantaged.

Micro-finance products Micro-finance services Quality of the products and Service Delivery
  • Usage of financial services
  • Clients

    • Micro businesses
    • Start-up industries
    • Financially disadvantaged
    • Seniors and people with disabilities
    • Young adults
    • Local peasants
  • Clients

    • Social welfare groups
    • People in remote rural areas
    • Financially disadvantaged
    • Socially disadvantaged
  • Clients

    • All consumers
    • Young adults
    • Children
  • Access of financial services
  • Clients

    • People with disabilities
    • Seniors

Micro-finance Products

Taishin supports small and micro enterprises through micro-loans and uses financial technology to support vulnerable groups and provide financial and banking services in rural areas. Furthermore, through product innovation, we also have integrated credit cards and public welfare by offering special benefits to social welfare groups when customers use credit cards for their spending.

  • Micro Businesses

    Micro Loan: Taishin introduced the digital loan application system in 2018 to accelerate review procedures. In 2020, we integrated online loan applications and the digital application system and constructed end-to-end procedures to provide small and micro enterprises with convenient channels for obtaining the funds they need for operations. We gradually provided exclusive plans for e-commerce and franchisees to help prevent funding shortages.

    E-payment/ mobile collection: The first in industry to launch a fee collection APP that can simultaneously collect from 11 domestic and overseas wallets. Merchants can use their mobile phones or Pads to scan the code to complete payment transactions to reduce the cost of purchasing equipment.

  • Start-up industries

    Investment in startup enterprises: Investments in 2020 mainly included new solar power plants, FinTech, and point exchange platforms. We plan to add network information, biomedicine, and other startups in 2021.

  • Financially disadvantaged

    Micro Insurance: To offer basic protections for financially disadvantages, micro insurance provides coverage in areas that the government’s social insurance and social welfare programs could not reach.

  • Seniors and people with disabilities

    Retirement trust: The Bank has responded by offering professional trust services and “specific purpose” services that are custom-tailored to customers’ specific needs.

    Reverse mortgage for seniors: The Bank introduced “Reverse mortgage for seniors” 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 hat integrated “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 limited capital they have and less process needed.

    Charity credit card: Taishin launched Fu Jen Catholic University Affinity Card that contributes 0.3% of every dollar spent to the university’s faculty construction fund as a support.

  • Local peasants

    Charity credit card: Taishin issued a co-branded with Cotton Fields. When cardholders spend in a store, a 0.6% of the purchase amount is deducted to give Taiwan’s organic agriculture-related foundations to cover organic certification or transition-to-organic periods.

Micro-finance Services

The branch equipment and banking services have been designed to provide customer-friendly services to meet different needs from customers due to their physical and mental disabilities, age, and economic circumstances. 

  • Social Welfare Group

    Credit card: To promote public welfare purchase and donations by converting reward points from credit card spending to donate to charity groups on Taishin’s donation platform.

  • People in Remote Rural Areas

    ePayment or Mobile Payment: We have continued to introduce new types of payment (i.e., mobile payment and cross-border payment) into merchants and commercial districts in remote areas and in 2020, we introduced new payment and related financial services through cross-industry alliances (e.g., comprehensive card readers and kiosks) to gradually facilitate the upgrade and transformation of traditional markets. Diversity of online services were delivered to free customers from restrictions of locations and banking hours.  The number of Taishin online users has been rising and the YOY growth in all accounts was 19.8% in 2020.

    ATM: To utilize diversity of our ATM services, such as bill payment, charity donation, borrowing/repayment of insurance, interbank cash deposit, interbank cardless cash withdrawal. In 2018, Taishin launched Virtual Teller Machine (VTM), a remote video conferencing service that frees customer from operating hour restrictions for better financial service experience.

  • Financially Disadvantaged

    Micro Loan: Since Jan. 2006, Taishin Bank has been working with the Banking Association to provide debt consolidation services including debt negotiation, pre-default negotiation, predefault settlement and relief. Furthermore, customized solutions are offered depending on the conditions of each borrower. By renegotiation affordable settlement solutions, Taishin Bank enables disadvantaged borrowers to start afresh and become contributing in ways that not only reduce social problems, but also strengthen their commitments to installments.

    Multilanguage ATMs: Taishin has noted the increase in the number of international tourists and foreign workers in Taiwan in recent years. To support the needs of new immigrants for financial services, we started the ATM remodeling project in September 2020. In addition to the existing Chinese and English versions, we also provide services in multiple languages including Japanese, Korean, Thai, Vietnamese, and Indonesian to help tourists, migrant workers, and new immigrants complete their transactions in the language they are familiar with, and provide international tourists with a friendlier financial services.

  • Socially Disadvantaged

    Micro Loan: Since Jan. 2006, Taishin Bank has been working with the Banking Association to provide debt consolidation services including debt negotiation, pre-default negotiation, predefault settlement and relief. Furthermore, customized solutions are offered depending on the conditions of each borrower. By renegotiation affordable settlement solutions, Taishin Bank enables disadvantaged borrowers to start afresh and become contributing in ways that not only reduce social problems, but also strengthen their commitments to installments.

    Multilanguage ATMs: Taishin has noted the increase in the number of international tourists and foreign workers in Taiwan in recent years. To support the needs of new immigrants for financial services, we started the ATM remodeling project in September 2020. In addition to the existing Chinese and English versions, we also provide services in multiple languages including Japanese, Korean, Thai, Vietnamese, and Indonesian to help tourists, migrant workers, and new immigrants complete their transactions in the language they are familiar with, and provide international tourists with a friendlier financial services.

  • People with Disabilities

    Barrier-free ATM: Setting up height-adjusted ATMs and blindness-friendly ATMs to serve movement-impaired; people with disabilities are entitled 3 interbank cash withdrawal privileges each month to reduce handling charge.

    Online Banking: Taishin Bank obtained "Website Accessibility Specification Version 2.0" for Class A certification mark in 2018 and the mobile bank-friendly zone passed the "APP Accessibility Test Report" test by Taipei Associationof Visually Impaired Parenthood in 2019 and continued to provide more friendly services in 2020.

  • Seniors

    Branch Services: By installing a service bell at the front door of all branches since Jan. 2015, we aim to guide and assist customers to complete transactions when customers need.

Quality of the Products and Service Delivery

  • Children

    Financial Education: Taishin Bank is committed to promoting wealth management education for children and developed the "Young Banker Officer - YBO Fantasy Farm" board game aimed to help children acquire investment skills by playing games. In 2020, we organized the first YBO volunteer camp and trained 38 YBO volunteers to provide services in charity organizations to teach children from disadvantaged groups how to play wealth management board games and group games.

  • Young adults

    Financial Seminars: By organizing campus investment seminars and participated in college workshops as guest speaker throughout the year. The proper investment perspectives were also brought by simple life cases and references for college students to learn easily.

  • All customers

    Taishin has implemented the Fair Treatment of Customers Policy and has established a customer dispute resolution mechanism to maintain the quality of financial services we adhere to.

Questionaire

Questionaire

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