高資產族群理財規劃與公益結合之策略探討—以保費融資為例

Abstract

近十年，臺灣的貧富差距持續擴增，社會M型化的趨勢越加明顯。但是公益團體卻苦於經費不足，無法提供弱勢團體更多協助。此外，政府稅基收入的降低，造成政府財政短收，於是社會福利支出增加不易。單靠政府與原有投入者的力量終將無法解決M 型社會不斷擴大的問題。

如何讓在財富上有能力的高資產族群，在不減損過多資產的前提下，可以做出更多的貢獻，是本研究最大的目的。本研究透過在資產配置中加入保費融資的方式，利用系統化的試算證明保費融資的可行性，在確保理財目標可以達成之下，進而達到提升高資產族群公益捐贈的意願。

Nearly a decade, the gap between the rich and the poor continue to grow in Taiwan and the trend of M-type is becoming increasingly obvious. But the public interest groups suffer from a serious lack of funds and can’t provide more assistance to disadvantaged groups. In addition, reducing income of the tax has caused the financial shortage in government, therefore, it was not easy for government to increase the social welfare expenditure. Depending on the government and exiting manpower could not solve the magnified problem of M shape society.

In this study, the largest purpose is how to make high-asset families who have ability in wealth can make more contributions, but not reduce the excess assets. In the way of join the premium finance to asset allocation. Use the spreadsheet to prove the feasibility of the premium financing systematically.Eensure that financial goals of high asset group can be reached, and thus to enhance the wishes of public welfare donation.