The “Inclusive Vision” project aims to understand the needs of local communities through the work of the Group’s volunteers, and, along with CDF’s financial expertise, to promote the development of regional revitalization in Taiwan. It not only injects resources into rural communities but also assists local organizations in building sustainable support systems through connecting social innovations, in an effort to achieve the goals to promote intergenerational collaboration, take care of the elderly, seek common good with the disadvantaged, and coexist with the environment in order to support sustainable development in Taiwan.

China Life actively responds to the government's promotion of inclusive financial policies, so that disadvantaged groups can also enjoy micro-insurance protection. In 2021, the scope of protection will be expanded, and the Tainan City Government and the Tainan Private Chaoxing Social Welfare Charity Foundation (hereinafter referred to as the Chaoxing Foundation) will be established. Working together, about 16,000 new citizens will enjoy micro-insurance protection by donating insurance premiums. In addition, it has also been relaxed to “elderly or their family members who meet the provisions of the Elderly Welfare Law and receive living allowances for the middle- and low-income elderly (65 years old)”; can also apply for micro-injury insurance, with affordable premiums for economically disadvantaged groups, providing basic safety Protection, to avoid sudden accidents have a serious impact on the family economy.

China Life has never stopped caring for the society. It actively cooperates with banks, government agencies and non-governmental organizations to jointly promote micro-insurance services, thereby extending insurance protection to every corner that needs care and providing a strong backing for disadvantaged families. The accumulated insured individuals in 2021 amounted to 60,783 persons with a growth rate of 183%.

Since 2014, he has been promoting micro-insurance, and has been awarded the Outstanding Performance Award in the Micro-Insurance Competition by the competent authority for seven consecutive years, and has also been awarded the Disability Care Award for two consecutive years. At the same time, he has also won the 9th Taiwan Insurance Excellence Award for excellence in micro-insurance promotion. The silver award is awarded to build a safety net for the economically disadvantaged, demonstrating the essence and value of life insurance. China Life offers micro-insurance with lower premiums, lower insured amounts, and easy terms to make basic accident insurance covering death and disability affordable for disadvantaged groups.

KGI Bank actively uses professional financial tools as the support for social welfare organizations. As of 2021, KGI Bank has been entrusted to manage 8 public welfare trust funds with a total management amount of more than NT$29.02 million. We aim to help individuals or legal persons implement their social welfare ideas, and assist in social welfare affairs and account management.

“Giving You A Hand” Revolving Personal Loan Promotion Project
In order to support young people to start their own businesses and develop their talents, KGI Bank has launched the ““Giving You A Hand” Revolving Personal Loan Promotion Project “microfinance project since 2018, targeting those with vocational certificates, disadvantaged low-income households, or plan proponents of crowd-funding platforms , to provide loan preferential projects to assist its stable career development and solve its operational turnover problems. The “Giving You A Hand” Revolving Personal Loan Promotion Project“ program offers lower interest rates than secured mortgages, encouraging young people and new entrepreneurs to obtain capital through legal financial channels. In 2020, we launched the COVID-19 Epidemic Prevention Discount Project to help those holding technical and vocational certificates affected by the pandemic to obtain funds through fast application processes and preferential prices. In 2021, there were 547 applicants, among which, 318 applications were successful, representing a success rate of 58%.

Taxi Driver Loan
Because taxi drivers cannot provide proof of fixed income, it is difficult to obtain traditional financial services. If there is a need for capital turnover, they often can only resort to underground financing channels. Based on the concept of practicing inclusive finance, KGI Bank has joined hands with the leading Taiwanese truck fleet in the domestic transportation industry since July 2017 to proactively provide micro-credit services for taxi drivers, solving the problem of unstable income due to occupational characteristics of drivers in the past and unable to provide bank credit information. Provided salary slips and other relevant financial proof, resulting in the inability to contact the bank, establish credit records and other issues. Using the big data database of the Taiwan Convoy, the “taxi driver credit scoring model” is customized, and the data such as driver service evaluation, award record, passenger load and other data are included in the credit score. Drivers can score well because of passenger service evaluation, get credit points for high passenger numbers. In 2021, there were 477 applicants, among which, 168 applications were successful, representing a success rate of 35%.

Internet Seller Loan
KGI Bank, in cooperation with Open Air Auction and PChome Pay, launched the “Big Data Loan for Open Air Auction Seller”, which uses API ( application programming interface) technology to simplify the application and review process of e-commerce sellers. Basic information and payment records, shorten the time for sellers to fill in the application materials, and can apply online. After the application, funds can be allocated to sellers within one day, allowing sellers to immediately use funds to prepare payment for goods and expand the scale of operations, solving the problem that e-commerce sellers cannot provide traditional financial resources This book won the 2021 Digital Times “Bronze Award for Best Product Innovation” and the “Digital Inclusion Award” of the Business Times Digital Finance Awards, which is the best recognition of KGI’s commitment to the practice of inclusive finance. In 2021, there were 838 applicants, among which, 181 applications were successful, representing a success rate of 22%.

Delivery Person Loan
During the period of epidemic alert in 2021, the demand for delivery services has greatly increased, attracting many full-time or part-time people to enter the delivery ranks. However, when funds are often needed, it is difficult to obtain loans from banks because there is no proof of income. Therefore, KGI Bank launched “The Quick Repayment for Delivery Personnel” project replaces traditional financial documents with screenshots of delivery remuneration, and helps delivery partners obtain preferential loans by applying for small loans online. In 2021, there were 1,436 applicants, among which, 496 applications were successful, representing a success rate of 35%.

“Quick Repayment” Limited Amount Loan
In recent years, the low starting salary environment in China has made it inevitable for young people to encounter insufficient cash flow even if they are active. Therefore, the age group of customers who need micro-credit loans mainly falls between 25-39 years old. The biggest difference between KGI Bank’s “Quick Repayment” compared with other general credit services on the market is that it can be repaid at any time, and the interest is calculated on a daily basis when it is used, and there is no penalty for early repayment. You can repay at any time when you receive your salary early next month. Support young people to immediately relieve short-term capital needs, and the interest rate is relatively economical.

“Far EasTone Telecom Project”
KGI Bank’s internal data shows that young customers who need micro-credit loans mainly use their funds to purchase work-needed supplies, such as computers, mobile phones, and motorcycles, and secondly, to support temporary family needs, such as household appliances, children’s supplies, and house repairs. , the amount of these consumer spending is not large, but the shortage will cause a lot of inconvenience in work and life. Adhering to the perspective of promoting positive financial management, KGI Bank cooperates with Far EasTone Telecom to provide preferential loans for customers who apply for new phone numbers. The annual interest on borrowing NT$100,000 is only NT$1. Even those who have just graduated or entered the workplace and are without credit records can have the opportunity to easily obtain funds, helping young people obtain preferential funds. In 2021, there were 174 applicants, among which, 37 applications were successful, representing a success rate of 21%.

Loans to start-ups in key industries and micro-business
In order to promote the stable development of the domestic economy, KGI Bank cooperates with government policies to provide loans for key start-up industries and loans for micro-enterprises. KGI Bank is committed to fostering the development of start-ups in key industries. In conjunction with government resources, KGI Bank has continued to target start-ups in green energy, Asia Silicon Valley, biomedicine, national defense, intelligent machinery, new agriculture, and circular economy sectors to provide a full range of financial services, and has assisted them in innovating by undergoing industrial transformation through the Small & Medium Enterprise Credit Guarantee Fund of Taiwan. For micro-businesses with smaller revenue, KGI Bank screens target customers systematically and grants micro loans quickly based on their credit ratings and standard operating procedures.

Responding to aging society - CDIB Capital Healthcare Ventures
In light of the world’s aging population, and prevalence of chronic diseases, there is greater pursuit for a better quality of life as income levels rise, and to capitalize on opportunities in the field, CDIB Capital Group has launched the CDIB Capital Healthcare Ventures in Taiwan. In addition, the Group has launched the RMB-denominated healthcare fund in China focused on investment in the healthcare industry in both China and Taiwan, with sub-sectors spanning biotech, precision medicine, high-end medical devices, and digital healthcare. These healthcare funds aim at assisting pharmaceutical companies, medical device manufacturing, and medical service organizations in offering quality and reasonably priced products and services. These healthcare funds' win-win proposition is to seek advanced benefits for society while creating returns. The investee company TaiRx Co., Ltd. aims to develop a new generation of oral anticancer drugs that inhibit cancer cells, which can effectively kill cancer cells and inhibit malignant tumor metastasis.