고령화 시대에 있어서 금융산업의 대응과 전략 - 고령 친화 신탁 제도를 중심으로 -

The income and assets of seniors in Korea, aged 60 and older, are steadily increasing. Recently, the assets of seniors have been found to be greater than those of householders under 40. The demand among seniors seeking to transfer their assets to family or society is expected to increase in the future. The Financial Services Commission is pursuing various initiatives to revitalize trust businesses that meet consumer demand. A prime example is the introduction of life insurance trust in 2025. Life insurance trust, which entrusts the right to claim insurance benefits paid upon death under an insurance contract, is currently subject to legal restrictions on the amount of insurance benefits, the nature and scope of insurance contracts, beneficiaries, and solicitor qualifications. To provide financial services that address the needs of diverse consumer groups, the current requirements need to be relaxed. Furthermore, measures are needed to promote comprehensive property trusts, guardianship trusts, and family business succession trusts. Regulations on re-trusts and restrictions on joint management ratios should be relaxed to create a more consumer-friendly trust system. Furthermore, to promote the guardianship trust system, we must explore ways to actively introduce and guide the system to consumers directly, utilizing channels such as financial advisors. Finally, considering the aging population of small and medium-sized enterprises (SMEs), we need to improve the voting rights system under the Financial Investment Services and Capital Markets Act to ensure stable business succession.